vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I consolidated all my student loans in XX/XX/2017 I was with XXXX XXXX and the company I thought I was consolidating with ( XXXX XXXX XXXX XXXX ) charge me {$190.00} for 3 months they were some kind of clearing house for the government in student loans and my payments would be {$98.00} a month for 12 months then it would go up because I was on the Income Driven Repayment Plan now I had to re-certify and because according my income forms I made {$5000.00}. more than last year because I retired and went back to work my payments are now 5 times more than I was paying, they want over {$500.00}. a month and my husband does not help me with any bills, but we file jointly my husbands income only benefits me with food and car insurance that's all he pays in house hold bills. Perhaps if I filed married filing separate would help me I don't know I will have to check into that. For now, where do I stand. Let me back up here, the company I am dealing with is Nelnet with the U. S. Department of Education logo on it, their address is XXXX XXXX XXXXXXXX XXXX, XXXX, Ga XXXX. I can send you any information you need via US Postal.

I hope something good comes out of this for me, because I could be drowning in debt if I paid what they are asking. P. S. I never got a degree for all the student loans I have, but an education with a XXXX grade average, at test time left too many blanks airgo did not pass and no degree or certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: GA

Complaint narrative:
I have tried to communicate to the bureaus that this account was erroneous.I have now contacted XXXX, and the response is attached.Thanks

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 2018-09-28 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2017 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
The Wells Fargo Bank payed for one of my bills for me without my permission. The bill was approximately {$34.00}. When I complained to the bank, they claimed that they are allowed to pay my bills for me without my permission and offered to do it again. I declined. 

The Wells Fargo Bank is denying the existence of the banking location where I opened up my First Wells Fargo Account. This location is : XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada. Recent bank mishaps appear to have lead to my wife and XXXX children coming up XXXX. My wife and XXXX children have been XXXX for two weeks and one day. 

Wells Fargo Bank has yet to return {$2.00} to the ATM machine at XXXX on XXXX and XXXX in XXXX, Nevada. The transaction was supposed to be completed about two weeks ago. 

Wells Fargo Bank asked me to make a letter head. I do not work for Wells Fargo Bank. I am simply a checking account holder. 


My Wells Fargo online account is currently inaccessible. I tried my two most recent passwords. Neither of them worked. 

All banking locations where I have visited personally : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened PrePayCard Account ), XXXX XXXX XXXX  XXXX, XXXX, NV XXXX ( opened joint account with my XXXX wife XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( opened a checking account ) XXXX XXXX XXXX XXXX, XXXX, NV XXXX ( employees here have intimidated me and harassed 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 2018-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/18 XXXX XXXX contacted my mother in law and told her that they were going to sue us if we didn't pay them. Not only did they tell her about our debt, they threatened legal action. This company has also repeatedly called my husband claiming to be someone from his place of work just to get him to talk to them. They are dishonest and corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Today I received a message via email that my " card information may be at risk due to a data breach at a business where you shopped recently. To help protect you from fraud and give you some peace of mind, were reissuing your card with a new account number and security code. '' I subsequently called the card issuer, Capital One Visa, and asked for the name of the merchant that suffered the data breach. I stated that I wanted to stop doing business with the company to avoid further risk to my account. The representative expressed sympathy with my concern but refused to name the company. 

Unsatisfied with this answer I asked to speak to a manager and was transferred to a fraud specialist at Capital One Visa. The manager repeatedly refused to disclose the name of the organization.

This is unacceptable. If a company fails to secure its data then customers should have the right to know about it. Capital One 's actions seem more concerned with protecting a company from the consequences of its data breach than protecting the individuals, like myself, who have actually suffered a real loss and remain concerned that we may be exposed to additional compromise. In other words, how can I be sure that the new card I have been issued won't be compromised again if I unknowingly return to the same business that caused the problem in the first place? 

Furthermore, how can I be reasonably expected to protect myself if companies merely circle the wagons and keep customers in the dark? This is about far more than just exposure of my credit card account. What else was exposed by this data breach? Capital One Visa should automatically be obligated to notify customers of a data breach so that customers like myself can mitigate losses and protect assets from all forms of data exposure. 

In closing, companies with insecure and/or badly managed data management practices should be exposed so that security minded individuals like myself can make educated decisions about the management and exposure of our data to companies we do business with. This includes credit card companies themselves. How can I protect myself from something I am not allowed to see?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had this problem with BBVA Compass on more than one occasion. My most recent experience is with a transaction on XX/XX/18 for {$410.00}. It was deducted from my available balance on the XXXX with a positive balance. It was as the bank says a hard hit on the XXXX leaving an available balance, and I was still charged on overdraft fee of {$38.00} which in turn caused additional items to hit and be charged fee 's as well. The banks provides an app which they suggest you use in order to keep track of your balance. What they neglect to tell you is even though on their app it shows you have an available balance which every transaction is immediately deducted from, the actual charge is not really deducted from your account until it paid. So they give you a tool to make sure you know how much money you have and then allow you to spend that money. What they don't tell you is it's NOT they way they keep track of your available balance, which in turn allows them to access fee 's for using the tools they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I disputed an account listed on my credit reports by XXXX XXXX, XXXX hat did not belong to me and it was removed because they could not verify it. Apparently XXXX XXXX, XXXX then sold it to Transworld Systems Inc. and it was added to all three of my credit reports. I did not receive a dunning notice nor a notice of my right to dispute before that added this account to my credit reports. I wold like the erroneous debt removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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:
Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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:
Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft 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 non-monetary relief
Consumer complaint received 2018-09-28 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Waypoint Resource Group is claiming they have the right to collect a " debt '' for XXXX $ for XXXX XXXX XXXX. This is damaging and is reporting on my credit file. It showed up in the middle of a mortgage transaction which dipped my score more than 60 points! This company does not have rights to the debt as the equipment was returned the XXXX as well as remaining balance paid to XXXX as evidenced by the XXXX balance receipt. As per XXXX the account owner this issue should have been resolved by now and i am severely disappointed that it hasn't been. Myself and my children are living from house to house right now and buying this house is very important to our health and well being. This collection should have never been place on my report. PLEASE remove it as soon as possible. '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This company is trying to collect money on an account that is not mine, therefor I'm requesting a full validation of this debt and send me physical proof of this, since I have not knowledge of this debt, in accordance with Fair Debt collection practices act, section 1692g.PleasXXXX provide : A. the original application or contract. 
B.Any annd all statements allegedly related. 
C.Any and all sign receipts. 
D.Any and all cancelled checks. 
Under the law you have 30 days to supply this proof. 
In addition, do not contact me via phone. From now on, we will comunicate through mail and CFPB. 

Sincerely : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: GA

Complaint narrative:
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...

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 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX I prepaid for a rental at XXXX XXXX for {$140.00} & I wasnt aware that I did not have my debit card on me. I called USAA for assistance and the Representative carelessly closes both of my Debit cards and she was only to do one. A few months later USAA took $ XXXXp from my account and when I called to find out why this happens it was told to me that I waa supposed to do a Dispute for this amount by XXXX and because I didnt think I'd needed to do it because of a fault of their Representative I'd expressed this but nonetheless I'd submitted a Dispute. For weeks I did not receive feedback on the refunded amount and again I wrote another Dispute letter and speaking to the CEO assistant of the matter which again no action was taken. 
On XXXX XXXX I'd received a phone call from another CEO assistants and was told that the second Dispute letter was " not good enough '' & I should explain further to which I should be refunded my money. Again i wrote another Dispute letter and i have it here uploaded. Today i get a message from my bank messaged to tell me that the Dispute letter was not sufficient enough as I'd explained thoroughly that my payment was prepaid via app and I called the Accounting office to see about the {$140.00} and the Accountant responded to me since I'd prepaid from the app she was not able to see the payment only when I'd arrived to pay for the rental in full. 
It's been over a month and this bank USAA isnt holding themselves in full responsibility of the action of their Representatives fault. And I need some help in getting this resolved so I can my funds rightfully back to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: AR

Complaint narrative:
XXXX HAS SOLD THIS FRAUDULENT DEBT TO XXXX   XXXX/XXXX XXXX ETC.. AND ARE ALL REPORTING ON MY CREDIT REPORTS. CEASE AND DESIST COLLECTION EFFORTS..AND CEASE COMMUNICATIONS WITH MY DAD AND FAMILY MEMEBERS.ALL PARTIES TO BE SUED IN CLASS ACTION SHOULD THEY FAIL TO PAID ME {$27000.00} IN DAMAGES..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
This company calls me every day. They're normal tactic is simply to hang up after I answer the phone, but occasionally they ask me to verify very personal information : last 4 of my SS #, date of birth, and others. They refuse to identify themselves or provide any information about their company unless you verify this personal info. They have even begun calling my wife 's mobile phone number. 

I have asked them on numerous occasions to stop calling me. Usually at that point, they hang up on me, but they have in the past agreed to stop calling me. They have not stopped calling me. 

Today, ( XX/XX/2018 ) I called them back ( after they hung up on me ), and I was assured by a " XXXX '' that they would not call me again. She would not provide her last name or her date of birth or the last 4 digits of her SS # for some reason. XXXX told me the name of her company was Unifin , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried numerous times to place the FREEZE on my credit online and by phone with Experian. The response is " unable to honor your request '' and to send in documentation by mail. XXXX  and XXXX were able to process this request online and there should be no reason Experian can not do the same.

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: DE

Complaint narrative:
Consumer reporting agencies may not report outdated negative information.Some of the information on my background is over seven tears old.To be exact the information they reported is from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I have faxed several mortgage modifications with financials to my mortgage company Penney Mac. My income was reduced when I became XXXX, Penney Mac doesn't want to work with me to reduce my mortgage payment. 
My attorney has filed and injunction to stop them from foreclosing on my home. 
A foreclosure property sale is set for my property XX/XX/2018 and there is a restraining order in place to stop the property foreclosure sale. Penney Mac is discriminating against me and they refuse to respect consumer rights and federal guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: GA

Complaint narrative:
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My vechile was repossessed by XXXX XXXX XXXX XXXX and the vechile has since been redeem. 
However the vechile has damages and their are fees associated with the towing process and additional fees has been added to my loan but since the discovery of damages to my vechile I have no intention of paying those fees nor any repairs to my vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
on XX/XX/18 at XXXX XXXX I received another call from " XXXX XXXX XXXX XXXX ''. They call us every day and there's never anyone on the line when I answer. 

So this time I called their number, XXXX, and spoke with " XXXX. '' Told him we were on the do not call list. 

XXXX told me he was debt collection and XXXX didn't apply to him. 

I told him we do not have any outstanding debts. Told him he should correct the error. 

He told me I had to call another number to do that. 

I told him, no, he should correct the errors. That's not my job. And disconnected.

Company response to consumer: Closed with non-monetary relief