vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 
2. Debt is past statute of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested a credit report for me and my wife from Experian on their website. The company requested a credit card for the {$1.00} charge. A week later, XXXX charges for {$23.00} each showed up on my credit card. When I called Experian to get the charges removed, they said I agreed to the charges when I requested the credit report. They refuse to refund the charges. I spoke to a supervisor and to the corporate office in California and XXXX XXXX, and all refused or were unable to get the charges returned. Please help me with this, this company has ripped off thousands in this manner.

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 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2017-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Approved for auto loan with Exeter in XX/XX/XXXX. Due to the timing of when I was approved and purchased the car, my initial payment due date was set at the XXXX of the month. Shortly thereafter, I requested that my payment due date be changed to the XXXX because I only got paid once a month on the last week day of the month at the time. In XX/XX/XXXX I started a new job that has bi-monthly pay days on the XXXX and XXXX. I requested a new due date of the XXXX to coincide with my second paycheck because i have been paying late fees while making my payments on the XXXX which is past the 10 day grace period. Although I am able to go online to set up the payment for the XXXX I am still charged the late fee and still receive collection calls. They do not check beforehand to see that I have set up a payment. I am a customer that is doing her best to ensure I am making timely payments and communicating when I need more time. It seems senseless not to allow a customer to adjust the due date to accomodate their payday schedule. This is only a second request after a number of years and is only due to a job change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: HI

Complaint narrative:
I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.

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 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! 
I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a collection account on my Experian and XXXX credit file from XXXX XXXX in which I 've never had any account with. I 've disputed this account for a very long time with attached police identity theft report and have even contacted XXXX regarding the account. They recently told me on XX/XX/2017 that they did n't know why it was on my credit file because they were no longer reporting or updating the account with any of the bureaus. Also, it was a fraudulent application in which the card was issued to some address that isnt mine and XXXX acknowledged that. A proper investigation would clearly demonstrate that it was never my account. I requested that Experian and XXXX remove it at once and I 'm still demanding so. Experian I 've contacted by certified mail dated XX/XX/2017 and sent at XXXX XXXX that day. They claim they verified with a letter sent to me dated XX/XX/2017. XXXX says they have not validated, reported, or updated. How is it that these agencies ( Experian & XXXX ) continue to report this account?

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 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have an 18 month payment plan with Navient, that is payroll deduction for {$190.00}. The payments come out on the XXXX and XXXX of every month. 
Somehow for the month of XXXX, my payment came out on the XXXX and the XXXX instead of the XXXX. Navient sent this to XXXX XXXX saying that I had missed a payment and it drop my credit score. Now, they received payment for the XX/XX/XXXX 10 days ahead, but they still sent this in on my credit. I have never missed a payment with them and I want them to clear this up with my credit. Out of all of the suits, they still can not get their stuff together. If you check my payment history with them I have never missed a payment or been late. And they will hassle the XXXX out of you. I called them today and you can never get a straight answer. This is another scar on Navient for the headache you have to go thru in order to make your payments. Even with all of the Lawsuits!! Help me to get this off my credit and we will start over again, until something else come up. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has an item listed on my credit report XXXX XXXX XXXX Dated XX/XX/2010 Acct # XXXX This not my account I disputed this item on my credit report. It came back as verified. I asked Experian to mail me the verification method within the 15 day timeframe. They did not. I ask that under the FCRA that this item is removed immediately.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with XXXX and Transunion I noticed a lot of unauthorized hard inquiries on my report. I called XXXX and Transunion several times and also disputed those negative items and they have not been removed. On my Transunion report the only items that shall remain that I authorized are from XXXX and XXXX. Thanks in advance.

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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. 

I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.

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 2017-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the spouse of an XXXX service member who has been XXXX. I have been aggressively working with Citimortgage in an attempt to get a loan modification which I was told had been exhausted. I then asked to proceed with a short sale and am in the process of submitting documents when a Trustee Sale Date is posted on my home. I have no less than XXXX investors wanting the property and they have n't given me the time to submit the documents ... .again. I received the packet Saturday and returned it today and i afraid they are going to sell this property while im working on the short sale solution

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from Experian, XXXX, and 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 non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion customer service US handling would not help and take care of the negative inquiries reporting to my credit report. 
which are XXXX and XXXX I will like them removed

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 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: APPLE RECOVERY, LLC
State: IL

Complaint narrative:
I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
Re : Medical Business Bureau : I have not received any notifications to validate the medical debt for date of service XX/XX/2014 by mail, telephone, or email. They have not been able to provide proof that I have signed and accepted responsibility for the debt they have placed on my credit report. I have requested that they remove this erroneous information from my credit report and they have not, instead they report back to the credit bureaus that I am responsible for this debt without explanation. Re : XXXX XXXX : I have also contacted the original creditor XXXX XXXX and ( XXXX ) advised that XXXX XXXX has dissolved and they no longer have any information in their system b/c they computer systems has been purged of any prior debts. They have also not been able to validate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to make a dress for my brother 's wedding, I have all email and IM correspondances which she clearly stated she would make a XXXX/XXXX copy so we can ensure fit. My mother placed an order with her as well under the same assumptions and she stated again that she could do the XXXX. My mother sent her measurements within 24 hours of paying for the dress but never received the dress by the deadline, XX/XX/XXXX. When the dress arrived the quality of sewing was poor and unfinished. The material had oil stain. My outfit arrived the evening before the wedding ( XX/XX/XXXX ) not allowing time for alterations. Both items did not fit and were not quality made items and not as previously designed/discussed. I have pictures to document these concerns. When contacting XXXX, she refuses to come to a resolution saying the XXXX was an extra charge despite not disclosing this prior to payment or previous emails. She refuses to meet us halfway in resolving this issues. She took our money total of {$480.00} and is hiding behind NO REFUND POLICY despite poor craftmanship and lack of timely deliver as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: TX

Complaint narrative:
In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
( The State of California Franchise Tax Board ( FTB ) is the original data furnisher. Please do not refer to XXXX XXXX County records as the FTB should have the judgement vacated based on its records ). 
In XX/XX/XXXX the State of California Franchise Tax Board file a lien with XXXX XXXX county due to missing XX/XX/XXXX filing of taxes. The FTB account number was XXXX. Once I became aware of the issue I filed the XX/XX/XXXX taxes. The State of California FTB then processed the taxes and determined that I did not owe the {$2800.00} that was estimated. I did not have any tax liability and received a tax refund for the XXXX tax year. I ask that the lien be deleted from my credit profile as the final determination by the State California Franchise Tax Board was that I was not liable for the {$2800.00}. In this case, the judgement filed with XXXX XXXX County should be vacated by CA FTB and/or completely removed from my Equifax credit profile. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation