vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: AZ

Complaint narrative:
Nelnet initially alerted me on XX/XX/XXXX about a payment in the amount of {$330.00} that was due. My usual monthly payment is {$120.00}. After making one payment, I found they are again requesting the same amount. I called Nelnet on XX/XX/XXXX asking why the amount has increased. The customer service agent could offer no explanation, even after I told her I have had no changes to my income or anything recently that would increase my monthly payment. The rep then offered to have me file for an income driven repayment plan ( which I am already on ) that would lower my monthly payment to {$300.00}. I asked again why the amount has gone up so drastically, and she offered no explanation and hung up on me. I have since been trying to resubmit my income driven repayment plan but they are not allowing me to rearrange payments or anything to lessen this financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I purchased a chicken coop online through an ad on XXXX. The charge was for {$77.00}. I received an email from the merchant to show the purchase went through. The merchant name was different than the website I used. The next day I got an email with a tracking number that didn't work. It took me to a web page that didn't work. On XX/XX/XXXX the charge on my card had a different vendor name. I called Bank of America to report a fraudulent charge. The woman told me the company she looked up sold makeup. I verified no make up was purchased. They gave me my money back but the this month XXXX they said they had proof the merchant sent me a product. The money was taken back out of my account. 

I got a small envelope from XXXX with a cookie cutter. That was not a chicken coop. Shipping would cost a certain amount from XXXX. I'm not sure what kind of proof was provided by the merchant but it was no doubt a well planned scam.

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 2020-01-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a dispute to Equifax about 3 inaccurate accounts on my credit report that were never investigated within 30 days. On XX/XX/2019 I sent a dispute by certified mail and it shows they received it on XX/XX/2019. Approximately a week later I received a letter back stating that I needed to send in additional documents to verify my identity. I sent in all additional documents that Equifax requested by certified mail that they received on XX/XX/2019. After sending in all the additional documentation that they requested, I never received anymore letters about the outcomes of the disputes. Equifax never investigated these disputed accounts in the 30 day time frame, nor did they state in my credit report that these accounts were being disputed. These are XXXXwo violations that should of gotten these accounts deleted so I sent another certified letter on XX/XX/2019 informing Equifax that these accounts needed to be deleted because of these violations but that did not happen. Instead of deleting the accounts because they failed to abide by the law, they went ahead and investigated the accounts and confirmed that they were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX NO XXXX FOR THE LAW FIRM XXXX, XXXX XXXX XXXX XXXX AND EQUIFAX CREDIT BUREAU ARE WRONGFULLY DISPLAYING ACCOUNT NO. XXXX ON MY CREDIT REPORT.BOTH THE BUREAU AND THE ATTORNEY VIOLATE THE BLACK LETTER LAW OF THE FAIR CREDIT REPORTING ACT, AN OFFENSE THAT CARRIES STATUTORY DAMAGES FOR EACH OFFENSE OF FALSE INFORMATION VERIFICATION. 
The proof is attached proving RE-AGING of this account.The reported Date of FIRST DELINQUENCY should match the date that the rent was 30 days late ( the rent is the debt that is being collected along with interest and fees ) .The judgement relating to the delinquent rent was filed in XX/XX/2013.The rent itself was late several months prior. 
In no case can the DOFD BE INTERPRETED AS XX/XX/2013, AS EQUIFAX reports. 
THIS VIOLATION CARRIES XXXX DAMAGES PER FALSE VERIFICATION. 
ANY ATTEMPT TO FURTHER COLLECT THIS DEBT WILL BE OFFSET BY CROSS-ACTION IN COURT for credit damage penalties due. 
HOWEVER, THE ACCOUNT SHOULD BE DELETED NOW FOR FALSE, CONTINUOUS VERIFICATIONS OF DOFD SINCE IT'S FIRST APPEARANCE ON THE CREDIT REPORT. 
OFFICERS OF THE COURT HAVE A HIGHER STANDARD OF EXPERTISE REQUIRED REGARDING THEIR LEGAL WORK.IT IS A PROBABLE COURT AWARD OF {$20.00}. OR MORE WHEN THE CREDIT DAMAGE CASE GETS TO COURT ONE WAY OR ANOTHER. 
I WILL SUE EQUIFAX AS WELL ... .SAME STATUTE IF THEY IGNORE THE EVIDENCE OF XXXX XXXX FRAUD, SUBMITTED TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2019, I received a phone call from Penn Credit Corp claiming I owed a debt of {$150.00} to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a debt verification letter to Penn Credit corp, as I am entitled to under FDCPA. I continued to receive phone calls from them, and I repeatedly requested a verification of the debt that included a bill from XXXX, at the one they sent me did not not XXXX on it, nor did it look like an official bill. It looked like a bunch of number put in an excel spreadsheet. I also requested information regarding 1 ) Agreement with the creditor that authorizes Penn Credit to collect on this alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 4 ) Proof that the Statute of Limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges being assessed 6 ) Information showing me that Penn Credit corp is licensed to collect in my state ; and 7 ) license numbers of the Registered Agents I was in contact with. Penn Credit corp sent me the same papers that look like an excel spreadsheet, which do not contain both my name and the name of XXXX on the same page. They did not provide me with the information i requested, nor was it enough to verify anything. Penn Credit corp continued to call me, and I brought up this concern with them. I explained that it did not seem like a legitimate debt, they then threatened to " happily '' report this debt so it " hits my credit score ''. The document attached is the same letter I sent with personal information removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CA

Complaint narrative:
THERE ARE FRAUDULENT CHARGES ON XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX, I mailed a letter to TransUnion stating that an account is on y credit report in error. 
on the basis that, this company ( XXXX XXXX ) that's reporting a collections never served me, nor did they give me notice they were going place something on my report, as mandated my law according to the FCDPA and CFRA. 

this was not my first letter asking about this account : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account ALWAYS gets verified or updated, but they never explain how. I've sent numerous requests to TransUnion on their practices and how can they verify an account that's not verified with furnisher themselves. 

I asked them to provide proof that the debt was min, proof they own the debt and can legally pursue it from me,, if they were registered in my state, etc. 
My responses was naught on those specific questions. 

I can not get the furnisher to send me proof, but they sent it to TransUnion?? I'm confused. 

XXXX XXXX is shopping around this debt to other collectors instead of responding to my request of validation.

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 2020-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am unable to speak with anyone at the company about my issue. This is primarily because I have no recollection of ever having entered into a loan agreement with this company. I do not understand the terms of the loan and why so much interest is being collected. To prove that I, in fact, owe this debt, I would like the company to furnish me with a copy of the original loan document with my signature and the terms clearly defined. Otherwise, I will consider this debt to be invalid and any effort to collect this debt a violation of my consumer rights. I affirm that I never entered into any loan agreement with this servicer and that this servicer has somehow acquired access to my personal information and assigned a debt and terms and conditions of debt to me based on its own business interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal credit did not notify me about increasing my credit limit. It began as XXXX and now it is XXXX. They failed to notify me of a credit limit increase. Also they continued to increase my limit multiple times without my consent or request. I didn't qualify financially for the increase during that time.

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 2020-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ID

Complaint narrative:
Fedloans is the servicer for my loans currently and I am enrolled in PLSF. I need XXXX payments to have my loan forgiven. I have been waiting for the past 2 years for them to accurately count the payments I have made, as there are at least 12 payments missing from their counts. I have called Fedloans several times, including trying to talk with the Ombudsman to resolve the issue, and this was at least 6 months ago and still the issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: GA

Complaint narrative:
My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I was provided with a notification of collections from Williams & Fudge , Inc dated XX/XX/XXXX for a debt due to XXXX   XXXX University XXXX XXXX for the amount of {$10000.00}. Friday XX/XX/XXXX, I reached to the organization to remed the debt. Upon trying to get ahold of the organization to establish a payment plan, or to get a general idea of my options, I accessed their website. There was a section to complete a proposal of payment, in which I completed requesting to pay {$50.00} starting XX/XX/XXXX, providing all of my necessary information for them to get ahold of me and send me a confirmation of payment plan. Upon submission, no confirmation email was sent and no record of the agreement showed up on their site, indicating that any attempt at reconciliation was made. Two days later, XX/XX/XXXX, I went back to their site to formally make a payment, establish payment plan, and also define the frequency and start date of the payment plan. Again, I requesting to pay {$50.00} starting XX/XX/XXXX. I provided my account information, established my payment agreement, and submitted the request. Again, I get no confirmation. Now, it is XX/XX/XXXX, and I received confirmation from my bank that the funds have not been taken out. I am not able to get ahold of anyone to get ahold and talk to. I have called on repeated occasions, including XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX in which I am prompted to leave my name, SSN and phone number, and they full call back. I was not comfortable leaving my SSN. I have left two messages at this point and attempted two attempts of electronic communication and have received no acknowledgement from the organization. I am literally unable to talk to anyone or process any payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: GA

Complaint narrative:
My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

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 2020-01-13 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: GA

Complaint narrative:
My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: MO

Complaint narrative:
My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}

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 2020-01-13 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: MO

Complaint narrative:
My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: MO

Complaint narrative:
My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX  2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: MO

Complaint narrative:
I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education {$290.00}

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 2020-01-13 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: MO

Complaint narrative:
I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX  {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education  {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo blocked my ATM card while I am here in XXXX. They said that I have to go into a Wells Fargo branch to resolve the issue. There is no Wells Fargo branches here in XXXX. This happened around XX/XX/XXXX. They said that I have to call, which when I was able to many many times, my phone kept cutting out on me right when I was able to have them set up getting me a new ATM card, which they said they would overnight to me via XXXX but never did. I have been out of money since that time except of a XXXX XXXX transfer which took 6 days to arrive, I have gone into debt with many people just borrowing their phones and eating food and I even had to go into the woods to get food almost every day. Then they stopped answering my emails after many many pleadings to send me my money some other way or overnight a new ATM bank card which they never did. I am almost with an expired XX/XX/XXXX, and I owe a lot of people a lot of money. They never took my situation serious and I suffered and still suffering until this day which is XX/XX/XXXX. 
They said they will XXXX a new card but I have to wait another 2 to 3 days which puts me past my XX/XX/XXXXstay thus causing further debt to me. I have my rental office extremely upset at me, my family back home is extremely upset with me, I am a XXXX XXXX diagnosised with XXXX, XXXX  and unemployable. This has not helped one bit. Wells Fargo has no emergency procedures and they insist on phone conversations instead of a so-called 'Secured ' email service. What's the point of that if they don't honor my requests that way? 
I am still without money and many people upset with me because Wells Fargo dropped the ball on me and left me essentially to suffer and die here because they blocked my ATM and did not make provisions to IMMEDIATELY send me a new card.

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