vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: NH

Complaint narrative:
I am currently enrolled in college and my loans are not in repayment status. However, I would really like to keep my loan balance from growing during my enrollment by making small monthly payments. Nelnet does not allow for borrowers to set up auto-debit payments until they are in repayment status. I feel that this goes against all financial education best practices and discourages students from making payments. If auto-debit is an option for some borrowers it should be an option for all. Below is the exact wording from Nelnet when I attempt to set up auto -debit payments. 


" You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit.

If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
Hello, I have a mortgage with LoanDepot - NMLS # XXXX and for four and a half months they have been promising to pay my XXXX County, South Carolina property taxes but it keeps being delayed. When I ask for email confirmation from the multiple customer services rep 's they claim that they are not allowed to send email confirmations but assure me that they tax payment is being processed and will be paid the on or before the due date ( for four and a half months straight this was their answer ). My county is now sending letters threatening to post non payment of taxes signs starting XX/XX/2019 and that my property will go into public auction XX/XX/2019. The mortgage company is not giving me an assurance that the payment will be delivered by XX/XX/XXXX and this has forced me to pay the property taxes out of pocket. 

I originally called in XX/XX/XXXX and the company confirmed that my property tax bill was received and will be paid on or before the due date. I received my first letter from the country in XX/XX/XXXX claiming the taxes were never paid, at this point I called my mortgage company and they said the bill was never received and to send it to XXXX and it will be paid quickly. I sent the tax bill to the email referenced above on XX/XX/2019 and received confirmation that the bill was received on XX/XX/2019. On XX/XX/2019 I received a certified letter from my county claiming the taxes were still not paid. At this point I called my mortgage company several times and talked to XXXX, XXXX, XXXX, and XXXX who are all customer service reps of Loan Depot. They assured me the bill was received and will be paid by XX/XX/2019 at XXXX PST. I called back at XXXX PST and was told that there was never a note on my account to have this paid by XXXX. At this point I asked for a supervisor and was directed to XXXX who holds the title of customer care supervisor. He refused to give me his employee ID and refused to give me the contact information of his supervisor. He again assured me the property tax bill would be paid by XX/XX/XXXX to which I explained this is unacceptable because the county will be taking action on XX/XX/XXXX. I believe this company is either doing some fraudulent or is too incompetent to complete the job required of a standard mortgage company. The fact that the supervisor refused to give me his employee ID or send an email confirming that the bill will be paid on date he claims shows that there is something not right going on. I have exhausted all options and will be talking with a lawyer to see what my options are going forward. 

Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX calls me every day multiple times a day. When I have answered the phone, it's a recording asking me to call them. I have asked them to quit calling me and told them that I have financial hardship but will pay when I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
There is an account reporting with Capital Accounts partial number XXXX. This continues to report and it is actually past the statue of limitations. I have not been to XXXX. XXXX XXXX in over 7 years it actually closer to 8 or 9. For some reason this collection company is trying to report an aged account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is allowing XXXX XXXX to post to my credit report new charge offs each month. Experian will not open a new dispute. XXXX XXXX charged off an account XX/XX/XXXX they have now reported the same account number newly charged off XX/XX/XXXX, XX/XX/XXXX. Experian needs to take the charge offs off my credit report as they did not have a full investigation.

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I currently have XXXX XXXX XXXX store credit card. In XXXX I logged in and paid my " current balance '' as listed online. Not my statement balance. I was attempting to pay the balance in it's entirety. In XXXX I was assessed a XXXX fee. And then XX/XX/XXXX I was assessed a XXXX late fee on the XXXX " minimum interest charges '' well then interest on XXXX is XXXX. So I bit the bullet and paid the late fees for XXXX and XXXX and on XX/XX/XXXX I logged in and paid the listed online " current balance '' of XXXX ( which included marches late fee ). Then again on XXXX XXXXthe they charged me another " minimum interest charges fee '' interest on XXXX is XXXX! So I have since accrued late fees on this XXXX dollar interest fee. I have paid this account off multiple times and they continue to change me fees after I pay listed " current balance '' online. I can prove per my online account activity that this is happening. I called to try and explain to them that I just want to pay this off.. I pay off the balance they assess a fee.. I pay off the balance they assess another fee. At this rate I will never be able to pay this balance. They give me no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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:
Equifax is reporting a corporate business account on my personal credit report. this is NOT my account, I never authorize this account. I have requested signed verification and proof that the account belongs to me however all they send is a generic letter noting " we verify account is valid '' with no backup. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/2019 requesting proof and verification that the account is mine. They responded with statements for a corporation name XXXX XXXX XXXX, this is NOT my company. I send Ms XXXX another letter on XX/XX/2019 letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law.. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Equifax has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified corporate BUSINESS account and NOT mine. This has affected my ability to get a job, to get credit, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had three transactions that were presented to the Bank when the bank account had a positive posted balance and a positive available balance. The next day, two of the transactions cleared the account. On the same day, a fourth transaction was presented that took my available balance negative, but not my posted balance yet. They charged insufficient funds fees on the two transactions that were presented when the available balance was positive and that cleared when the posted balance was positive. Then on the next day the 3rd and 4th transactions cleared my account, and solely because of the fees, I no longer had funds to cover the 3rd transaction. They were justified in applying a fee to the fourth transaction. But the first 3 fees were completely unjustified. After speaking with them, they admitted that is how they handle the fees and as a courtesy, they refunded 1 of the 4 fees. The fourth transaction was for {$12.00}, and would have dropped my account balance to $ ( XXXX ). They have charged me {$98.00} because of this.

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 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: SC

Complaint narrative:
I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a Arrowhead Advance closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not had XXXX in over 4 years. I do not know why they put this on my credit report in XXXX. I have made over 10 attempts in the last two weeks to figure out why they reported this. We do not keep records from over 18 months ago, we can not provide you with a payment receipt, our records do not exist unless you have an online account. These are all the excuses Ive received from XXXX. I disputed the item and Experian stated it was accurate. How can it be accurate if XXXX cant provide documentation of proof that this is even my bill? I paid it off because I wanted it off my credit report, now Ive been completely scammed by XXXX. How can you bill someone extra in XX/XX/XXXX when they paid you all year long and moved out in XX/XX/XXXX? This has happened to many of my friends also, XXXX stating they are owed something random. Please get this off my report because it has nothing to do with me. Hmmm shredding records at 18 months ... Various people complaining about random bills ... something sounds fishy here

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 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: SC

Complaint narrative:
I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX  closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX. 

In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company. 

Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 (  against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation. 

Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect names are reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses that is not not my correct address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: SC

Complaint narrative:
I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019, I called XXXX regarding a past due bill which I have been disputing the final amount due. They informed me that my account was with Diversified Consultants, Inc and they gave me the number to call but were able to transfer my call. 
I tried explaining to the representative that I do not owe the amount and the reasons why I felt I didn't owe the total amount. 
The representative got very rude and stated that she can offer me a settlement of {$310.00} but I should know that I've broken the contract by moving and she will not go any lower since it's my fault for breaking the contract. I tried explaining that the area I moved to does not offer XXXX. I asked to speak to a supervisor, she placed the call on hold then came back pretending to be the supervisor and before I start talking she hung up the phone. 
XXXX charged me a reconnection fee after I requested to close my account. My account was not closed the first time I requested and was subsequently closed after my second or third request. I was assessed late fees, reconnection fees and termination fees although they didn't offer the service in the neighborhood I moved to. 
This is unfair and unreasonable even by their standards. I checked their contract terms and I was not supposed to be charged a termination fee for moving outside their service area. According to their collection rep ( Diversified Consultants ),  its not their fault I moved outside XXXX 's service area and I must pay the amount of the final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A & O Recovery Solutions, LLC
State: MI

Complaint narrative:
Did not receive written notice of collection, When talking to CCI requested written proof of debt. Never received proof just constant.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have a personal loan with Lendmark. I have been put into a medical hardship. I have contacted a debt collection agency. They informed me not to contact any of the businesses that I have placed in debt collection. I have been receiving phone calls 4-5 days a week at my home since doing this in XX/XX/XXXX from Lendmark. I have 10 different companies listed on this account. They are the only company that is calling me and I feel like they are harassing me. It has not even been 30 days since we made this change. This company has called my job asking to speak with me as well. I am not allowed personal phone calls at work. I then called them and asked them not to call my job. I was then informed that I needed to make a payment on this account or it will and can effect my credit. I explained to them that I was more concerned with losing my home than my credit score. Then today XX/XX/XXXX a family member contacted me to tell me that someone named XXXX had called them trying to reach me. I then called and spoke with XXXX and he informed me if I didn't work with them I could be sued and could lose my home. My home is not connected to the loan that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have a car loan with Kia Finance for a car I bought new in XXXX XXXX, FL. I have made every payment and, about 2 weeks ago, I requested and received the payoff amount from them and used their site to transfer that amount from a bank in Virginia to my account at Kia Finance. However, in checking my online account since then I can not see any evidence the loan has been closed, my payment history does not reflect the payoff, and the bank says they have received no transfer request from Kia. 

I have emailed them from their web site asking about this a total of 3 times. While I received automated acknowledgement emails back with a promise I would hear from a rep in a couple of days, that has never happened. 
Today I called their customer service line during their stated business hours. After going through multiple automated menus and hearing the same account information that I saw on their web site ( without reflecting the payoff ), I selected the option for " other issues. '' An automated voice said, " A representative will be with you shortly. This call may be monitored for ... '' Then, the same voice said, " We are not available right now. Call back some other time. '' The same thing happened when I called their Collections line.

I called a third time and instead of choosing an option I pressed 0. This time the voice simply said, " Good-bye. '' I must ascertain the status of the loan before I try and transfer this amount again. But how can I do that if I can't get Kia Finance to  communicate?

Company response to consumer: Closed with explanation