vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted Nelnet, a student loan servicer, via its website. The website is filled with information related to COVID-19, needing help with student loans, etc. The website states that during a COVID-19 forbearance interest is not capitalized.

The website discourages borrowers from telephoning and encourages borrowers to apply for forbearance via its website. I used the website to apply for a forbearance for a COVID related income reduction. This was good for 90 days. I utilized the same process in XX/XX/XXXX. 

In XX/XX/XXXX, I learned that my Economic Hardship application was denied and I would have a {$750.00} payment due that month. I could not pay that amount because my net income is $ XXXXmonth. I called again and was told I should apply for the Income Driven Repayment Plan, which I did the same day. I was also told I would get another 90 day forbearance because I said my repayment problems were still related to COVID. 

On XX/XX/XXXX, I learned that Nelnet did not give me a COVID forbearance that would not capitalize interest and instead gave me a " general forbearance '' whereby accrued interest would be capitalized into the principal. 

I feel like Nelnet engaged in a " bait and switch '' as to the forbearance. During my call on XX/XX/XXXX with Nelnet, I learned it was not possible to obtain a COVID forbearance via their website and that anyone with my type of student loans ( Federal Direct that were consolidated ) had to call Nelnet to obtain the COVID forbearance. This was incredibly misleading and I believe that this is an illegal " bait and switch ''. 

To a lesser extent, I am also complaining the IBR program was not fully explained and I believe I was pressured into it because Nelnet did not want to give me another COVID forbearance despite the fact I had to remind the Nelnet rep I knew that the COVID forbearance was extended to XX/XX/XXXX. XXXX Knowing now that I never had a COVID forbearance and instead got a " general forbearance '' makes me even madder because the rep on my initial call in XXXX should have realized the mistake and brought to my attention. ) I have already been paying on my student loans for 20 years. Why would I want to move to a plan that is based on " forgiveness '' instead of repayment? Today I learned that this plan calls for me to make payments for 25 more years. I will be XXXX years old. I think I would be better off waiting for my income to return and utilizing the COVID forbearance in the meantime to avoid default. And they would not let me " undo '' the IBR program once I learned the additional facts. In fact, there was no undo option even though I was just advised I was accepted today and have not made any payments under the plan. Again, another " bait and switch '' tactic by Nelnet..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: AR

Complaint narrative:
I received an Email from a co-worker on XX/XX/2021 stating that I needed to give a XXXX XXXX a call at XXXX Ext XXXX. I called the number back about an hour later, thinking it was related to work. Once transferred after I called, I spoke with XXXX XXXX and advised who I was and the name of my company. She then proceeded to try and ask me personal questions before she could let me know what the call was about. I would not give her information and asked " what is this call about, if not work related? '' She again, tried getting personal information from me and stated my last four of my social and asked me for my birthdate, which I would not give and home address. She was also at the time, repeating my phone number, of which I assume she was logging into the computer. She then went on to say, its a recorded call and its a debt from XXXX XXXX ( of which I do not owe ) ; and said Credit Corp had purchased this debt and that this was pre-legal. She was calling to see if she could get something worked out " Before they turn this information over to their lawyers '' and have something did, I did not understand her last sentence. I then said, I do not owe any money on this and further, DO NOT CALL my job giving information to my coworkers. My personal has nothing to do with this. She ignored that sentence and proceeded to tell me, " Yes, we have that information and threatened me that I would have my wages garnished because they have that information '' She also said, they had been trying to reach out to me ... I stated again to her, DO NOT CALL my work. Further, I said to her ... Turn it over to your legal and I will have my attorney definitely get back to them about this, because at this point, she has threatened me and I have never even spoken to these people nor have knowledge of this so called debt! I stated it to her twice and then proceeded to hang up the phone. Under FDCPA law, it is illegal for a debt collector to threaten you with garnishing your wages our property. She DID this! Therefore, I am officially reporting this negligent and unlawful act. Further, I have been told this company has called before and my coworker just did not give me the information because she could not verify who this person was or why the call. I called my work to indicate if they received another call from the number listed above to not take the call and tell them, they are not allowed to call me there. Someone from the company turned around after I STATED, " DO NOT CALL MY JOB '' and called again trying to gather information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Got numerous calls to lower my credit card from Citibank call center. XXXX. They have harassed me repeatedly. I do not have an account with Citibank. They will not stop calling and have tried to get my personal information. It could be my information was sold to offshore call centers by my own bank or credit accounts, even after I opted out of the do not sell my information. I am being harassed by the same call center.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express promotional offer on their AMEX BLUE CASH PREFERRED CARD for {$300.00} credit on account statement after spending {$3000.00}. I checked and double-checked that I was qualified and I will get the {$300.00} credit. After I spent the money and paid the bill in full, AMEX now denies the {$300.00} credit making excuses. 

They are engaging in fraudulent and deceptive business practices to get customers to spend {$3000.00} first and then deny the credit later. They did not tell me upfront but now are making excuses for non-payment. 

MY CARD ACCOUNT NUMBER ENDING XXXX AMERICAN EXPRESS XX/XX/XXXXXXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
They call me 3 times a day and leave me voicemails regarding collecting money. This account has been closed since XX/XX/2020. I never opened this account myself. The constant calls are causing unnecessary stress while Im trying to work. I have tried 2 times to ask them to stop contacting me and to remove this and have not heard from anyone. I never even received notice of debt collection or verification of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent a cashier check to pay off my loan with CMG Financial Mortgage. The cashier check was for {$170000.00} to pay off loan of {$170000.00}. I was expecting money back for the difference. I followed their instructions on where to mail the check. Because of blizzard in New Jersey the check arrived on XX/XX/XXXX or 15 days after I mailed it. The instructions said that if check was not in full that they would make up the difference with the escrow on my account. It was 15 days late and instructions said I would be charged {$21.00} each day it was late or {$320.00}. I should have been charged the original payoff of {$170000.00} plus $ XXXX {$170000.00} minus the {$170000.00} of my cashier check and they should have taken off {$66.00} from my escrow account. What they did was sent me back cashier check with letter that said I was short of the payoff amount. 
They caused me a lot off stress so I ended up paying off the amount of {$170000.00} by wire transfer on XX/XX/XXXX. This delay cost me more money. If they would have taken my cashier check on XX/XX/XXXX when it was received as per USPS then it would have been taken care of then and the amount due of {$66.00} would have been paid with the escrow funds in my account. There was over that amount in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Today I was able to speak with an agent at bofa claims department stating that I am entitled to XXXX out of the XXXX claim I want my money from this bank and honestly shes right you guys took my funds without my knowledge and sent me through all of this yall are claiming to have paid the claim but you guys didnt it went towards a negative balance you guys caused me to have I want my XXXX she noted about On my account that I was approved for yall paid the negative balance yall caused this not me she said its on Paper regardless and says permanent so I should have it not the negative balance my account and I want my XXXX that has a missing credit under it released to me as well expeditiously please I need my money this is not right at all and even your agent said that regardless of the negative balance the bank only should have takin XXXX or XXXX not the whole XXXX I want my money out of this bank now!!!!!!!!!

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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
We refinanced our home in XX/XX/XXXX, When we did the refinance unfortunately our title company never paid our school taxes so they were re-levied onto our land taxes in XX/XX/XXXX. Our lender uses Dovenmuehle mortgage to service their loans the lender that we use is XXXX XXXX XXXX this complaint is for both of those companies. We have been on the phone with Dovenmuehele mortgage 3 to 4 times a month since XXXX we received the check from our title company and pay the school taxes which this company is showing records of yet they continue to charge us an extra {$800.00} a month for a every time we call we are told that they are doing an escrow analysis to fix our mortgage and a callback on a certain date yet it is not done on that day we have spoke to numerous supervisors and got nowhere with them at this point we are {$2400.00} extra since XXXX and they refused to give us an actual answer as to when this will be fixed what they are doing is criminal this money is going into our escrow account which I have no hope of seeing again since there are numerous complaints about them about not giving people their money back that is in their escrow account we have been trying to fix this with them since XXXX and this is absolutely unacceptable please reach out to me with any questions as we would like this resolved in a timely fashion and Can not afford an extra $ XXXX. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
I received a bill from XXXX XXXX for {$150.00} for amount not paid by insurance company, statement date XX/XX/XXXX. I paid this bill using my XXXX XXXX XXXX  on XX/XX/XXXX. 
I was rebilled for the exact same bill and amount saying it was past due. They turned it over to Emerald XXXX. I disputed the bill, they validated the bill. 

The bill was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have attached ID Theft Report XXXX with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2021-04-14 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: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
in XXXX of XXXX, I suffered and got very ill during the early days of the XXXX. I was not able to make my credit bill for the month of XX/XX/XXXX. During my recovery I was able to call my Capital One, my credit provider and my payment was made later. And all was settled. Or that was what I thought. 
I have been with Capital since XX/XX/XXXX and have never ever missed a payment until I got ill. 

The problem is capital-One reported my one missed payment to the Credit Bureaus and this has placed a serious blemish on my credit that I am currently suffering to rebuild. 

I called Capital One, my my credit card Provider and have pled with then several times. I formally wrote a letter to their Utah Division that is responsible for handling such issues but all I have got is NO. 
Attached is a case number of their { XX/XX/XXXX '' most recent response to me : XXXX My credit has been bad and I am on course to fixing it. I have suffered from paying high interest whenever any lender decides to give me any loan. I can rent an apartment on my own because of my bad credit. 
Now that I am on course to fixing my credit and blemish shown credit right now is destroying me further by keeping the the claws of poverty. 
I have had a credit account with capital One for 2 years and 8 months, the only payment missed was when I was ill. This Illness was due to no fault of mine, so how can I be punished for years to come because of it? How? 
Please, Please, Please!! Help me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was provided an extension of my car loan payment from NMAC in XX/XX/XXXX and XX/XX/XXXX. I requested the extension before my due date. The car loan account was closed and fully paid as agreed in XX/XX/XXXX. However, NMAC is reporting the extension they authorized and approved as a 30 day late payment. I was never told that by extending my payment it would be reported as a 30 day late pay. I was only told that the payment would be added to the end of the loan and would extend the final payment.

Company response to consumer: Closed with explanation