vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I agreed to terms with sales people at XXXX XXXX XXXX, and NMAC, and the terms were changed after purchase. A 90-day deferment is not being honored. Please see attached documents. 

A copy of the financing agreement was not provided to me upon signing the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/XXXX I cancelled an auto payment with XXXX. I resigned up for the same service for {$100.00} a year. On XX/XX/XXXX I received a notice from my bank my account was overdrawn because both {$100.00} and {$120.00} were charged to my account by XXXX. I didn't have money in there for both charges because both charges where not supposed to go through. I contacted my bank and XXXX. XXXX said they saw both charges and said the {$120.00} should not have been charged to my account. They again cancelled the subscription for {$120.00} but left the correct one for {$100.00}. They then immediately refunded the {$120.00} on XX/XX/XXXX to Paypal. 

Paypal continued several times to collect the {$120.00}, so I called them, wrote to them, and emailed them. They told me I didn't cancel correctly because I had to cancel with XXXX AND paypal. I should only have to cancel with the company processing the charges, not with Paypal! Then Paypal said the refund was on hold because the charge didn't go through - a charge that should never have been presented in the first place. So. I put money in my bank account so that the charge would go through and Paypal could process the refund. The charge cleared my account and Paypal has had the money since XX/XX/XXXX, which was confirmed by my bank. It was in Paypals bank account on XX/XX/XXXX. 

On XX/XX/XXXX Paypal claimed the money would not clear my account until XX/XX/XXXX and I would get the refund after that. This is absolutely NOT TRUE! Paypal had the money XX/XX/XXXX. Not only did they have the money by this date, they also had the money from XXXX on XX/XX/XXXX. Yet they still refuse to give me my refund for a charge that should never have been processed in the first place! 

If Paypal puts charges through that are not authorized by the vendor, they should be held accountable. And if Paypal holds all refunds for days after they receive them, they are earning interest on money that is not theirs. They charge my account to overdraw with an unauthorized charge, and now they are keeping my refund money - for several days!!!!!. Their practices are shady at best and possibly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
The account has been illegally re-aged. This debt is from XX/XX/XXXX and has been re-aged on my credit report to state XX/XX/XXXX. Furthermore, I have not received any communication about this debt until it was brought to my attention during my security clearance application. I want the debt erased from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since the company has no license in my state, the loan contract I have with them is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. However, to date, I received several loans through Big Picture Loans that dates back to year 2017 and have had several bi-weekly withdrawal payments from my bank account. I was charged excessive fees that were not legal in the state of California and have made several over payments on each loan acquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TX

Complaint narrative:
Hello, I am writing this complaint involving a XXXX account listed on my credit report after several attempts to resolve it directly with both XXXX XXXX Experian myself. I dont want to waste a lot of your time so Ill make this as brief as I possibly can for you. Basically XXXX had been reporting incorrect data on my credit report so I reached out to them to dispute the information. They responded with a letter that I have included which stated they had properly corrected and updated my report. Unfortunately that was incorrect because nothing changed on my report. As you can see in the letter they provided, the charge off happened XX/XX/XXXX and was paid in full on XX/XX/XXXX. My first dispute addressed the fact that they are still reporting as charge off for 3 consecutive months even though the balance was paid in full in XXXX. XXXX refused to fix the incorrect information so I disputed it directly with the Experian and they failed to fix the issue as well. My biggest issue at this moment with Experian is that my most recent dispute with them has caused a significant error in reporting that is currently affecting my credit score and credit worthiness. After my recent dispute Experian basically removed all of the previously listed Charge offs that were reporting and instead listed them with No Data. However, what they also did was report this account as being recently charged off for XXXX which is absolutely incorrect and is most certainly re-aging this account to make it look like I just recently missed a payment. I will not allow Experian to get away with this frivolous reporting on this account. They made the whole situation worse because I havent missed a payment on anything since XXXX but it looks like I did in XXXX of XXXX. I would appreciate if this issue could get resolved ASAP as it is affecting me negatively while Im trying to make a home purchase. Thanks in advance for taking the time to help me resolve this issue.

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 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient continues to allege that I have three loans l with them. They continue to harass me and cause me see XXXX. I lost my job and have no healthcare and told Navient that there was no way that could ever make Ann payments on any alleged debt even when I was employed making less than XXXX a year with XXXX in debt ... the harassment from Navient will not make money magically appear and the harassment is causing a great deal of XXXX and misery ... Navient continues to add on fees, interest, has no realistic payment options for any alleged debt and all they do is stalk and harass me with robo calls regardless of the time of day and even when I told them to cease and desist they continue to harass me.. this is a predatory company that does nothing but harm people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX- XXXX , being mostly funded by Sallie Mae . XXXX- Sallie Mae denied by request for the XXXX year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. XXXX The school lost its accreditation status. Being an art school most classes will not transfer. I reached out to Sallie Mae repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did. On XX/XX/XXXX I officially withdrew from the school due to major lack of credit transfer options. I am in the process of getting my federal loans cancelled as the school closed, and working on joining a class action suit regarding the deceptive practices of the school. I have no degree from the school, no job to make SallieMae payments and want SallieMae to do the right thing and forgive the loans like the federal ones will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between XXXX y Experian this information are reported different, and the funniest thing is in XXXX  is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your 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 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Asset Group LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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:
A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from XXXX  showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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:
A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have told this company and 3rd party company regarding this matter not to contact me via my cell phone nor work phone line. This company has called me repeatedly and on different days and times during my work hours despite telling them to correspond via US mail only. 

For example, they have called at : XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
Charging excessive unexplained fees over the last few months when monthly payments have been made on time. Fees are shown on statement as " corporate advance ( s ) '' and now another fee has been charged for {$300.00} with a description of " Payment of Preservation Fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
In email correspondence, I was promised by a representative of Freedom Debt Relief that if I deposited approximately {$420.00} per month into my account, they would settle all of my debts with creditors in 42 months or less. When I asked Senior FDR Account Representative XXXX XXXX on XX/XX/2016 what would happen if FDR negotiators were unsuccessful in settling my accounts within that period, he responded that the 42-month estimate represented a conservative calculation, that in fact the target date was overestimated. He added, We like to under promise and over deliver. He added that if FDR negotiators " get better results you will be dept free a whole lot sooner. Finally, he wrote, 46 months is a worst case scenario. Given that assurance and only on account of that assurance I agreed to sign up with FDR. In recent months, however, they have asked me to approve two settlements that would require me to make payments to the creditors over the next four years. I have refused to do so. I regard these settlements as breaches of my original agreement. In fact, they represent no debt reduction at all, and in fact, since they also require me to pay a fee to FDR for their services, they represent an increase of my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been having issue with my bank accounts. ( XXXX XXXX XXXX yrs - I moved my account to Citibank ) My auto pays dropped to medical insurance and association s. Then reappeared the following month after writing large checks to creditors ( association and medical ) its been happing in my XX/XX/XXXX credit cards ( 21 yrs a customer- as well as XX/XX/XXXX) I have reported the thefts to all creditors and they are not doing anything about these frauds and theft of my funds. 
Im XXXX and need assistance to stop this harassment of my civil rights as privacy rights. 

I believe the damages are over 10. 000 which makes this bank robbery. 
I went down to Citibank and I hav XXXX missing from my account. As well as fraudulent charges on my credit cards. I have someone going on like and fraudulently changing my us mail address - ) in whichXX/XX/XXXXtoday claimed to not be getting any statements back. ( I dont receive account statements ) I also was dismissed after 4 yrs  of reporting this fraud. And asked to attempted the same steps over over. I am not seeing my any changes in credit cards that are suppose to be frozen and unable to use. The companies are allowing these transactions anyway. I have filed police reports because these companies are claiming to not have documented my complaint s - 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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Hello, the reason why I am starting a complaint today because I am tired of continuing to try to solve this problem on my own and I do not get an answer that supports the fact that this account is in my credit report.I do not understand how this account across the three Credit Bureau is different. 
Credit Bureaus required to obtains verification from the same Data Furnisher, in this case the U.S. Bankruptcy Court in XXXX, Nebraska. 
Having said that, how between TransUnion y XXXX this information are reported different, and the funniest thing is in XXXX is not a Bankruptcy reported. 
I'm sending you proof from the 2 companies ( XXXX  XXXX and XXXX XXXX ) that i use to monitor my credit. 
Thank you for your 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 2019-10-08 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: NC

Complaint narrative:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I currently have two credit cards with XXXX XXXX, I'm monitoring my credit reports and noticed that XXXX XXXX is failing to report one of my credit cards to equifax. XXXX  XXXX is reporting both cards to XXXX and XXXX, but my equifax report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not been able to access my own report on Experian.com I disputed in writing 90 days ago and got a post card with website address to dispute which DOES NOT work and REDIRECTS ME TO THE PHONE # S which is a 1-2 hour hold then answer to all personal questions. The agent has the nerve to ask if I'm a " BOY OR A GIRL .... '' because he said I sounded like a girl .... why does it even matter and is it part my credit report and Experian MUST know????? when we finally got to the dispute part he tells me that I need to enroll for a $ XXXX/mo credit monitoring to be able to dispute information on my report. He said " free disputes are being taken away by Experian and consumers no longer can dispute on line or in writing unless they have a paid subscription ... '' THIS IS EXTORTION .... CONSUMES SHOULD HAVE A CHOICE IN PURCHASE AND SHOULD HAVE FREE ACCESS TO HIS/HER OWN 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 monetary relief