vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: IL

Complaint narrative:
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

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 2017-11-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success. 

As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving. 

At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX. 

Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle. 

At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change. 

I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Starting in XX/XX/XXXX, I consolidated my student loans for a total of {$29000.00} with a locked interest rate of 2.875 %. I went into XXXX XXXX, but it took a long time before I had good paying steady work. I claimed deferment for the first year, then forbearance until XX/XX/XXXX. Not the best idea, I know, but I could barely pay my rent ; future me could worry about the increasing capitalized interest and late fees ( which totaled {$4200.00} ). Got a steady job and began making regular payments, and despite having paid a total of {$16000.00} toward this thing, {$10000.00} has gone to interests and fees and now my balance is still at {$23000.00}. Sure would have been nice to know about various income based payment plans back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} 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 explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

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 2017-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Data Systems
State: SC

Complaint narrative:
I sent a debt validation to Financial Data Systems, XX/XX/XXXX, requesting debt validation for the medical debts they have listed on my credit reports. On XX/XX/XXXX, I received a letter back with detailed information regarding the medical procedures that were done. I never gave permission for anyone to release medical information to third parties. Therefore, Financial Data Systems having access to these medical records is a very clear HIPAA violation. I then sent another letter on XX/XX/XXXX requesting my signature showing that I gave permission for the release of medical information to Financial Data Systems. However, I never received another response regarding this matter. I have attached the letters received and the follow-up letter I sent that I made a copy of.

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 2017-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: WA

Complaint narrative:
My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, 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 monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.

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 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My credit card with USAA was falling behind in payments. At one point, I got a letter about how much was past due that mentioned a special debt solutions payment plan. I called USAA and enrolled in this payment plan. Under the payment plan, I would pay $ XXXX/mo. After 4 consecutive months of making these payments, my account would be brought current. The first payment was made in XXXX. I have, however, continued to get letters about my account being past due even though I have made every monthly payment at least through XXXX ( not sure if XXXX came out yet ). That makes 7 months of making the payments. My account is due according to the payment plan I entered into with USAA. I attempted to call previously about a month ago ( XXXX ) to straighten it out. The woman with USAA was n't much help and wanted to talk more than listen. After explaining the plan several times, she finally understood and said she would make a note for the debt solutions team to fix it. Yet I 've still gotten letters. Tonight, I called again after getting a letter dated XXXX XXXX. XXXX answered. I explained the situation. She looked into it. She came back and explained that there were two payments made in addition to the $ XXXX monthly payments. Because these two payments were for less than {$190.00}, they counted as an insufficient payment for the payment plan and reset the months needed to bring the plan current. In effect, I paid too MUCH on my balance and was therefore past due. This is obviously a problem caused by automation and not how the plan is supposed to work. XXXX at this point became unhelpful and stonewalled any attempt I offered to resolve the situation. At one point, she asked what I wanted, to which I responded " I would like my account that is current in reality to be reflected as current in your system. '' Her response was that 1 ) she could n't do that and no one else could, and 2 ) my account was NOT current. At no point did I raise my voice, become abusive, or curse. She finally offered to transfer me back to debt solutions so they could look at it ( even though I knew they would n't be able to do what I wanted ). I said sure. She transferred me supposedly to them. I have been transferred to them before and the wait was never more than 5 minutes. I remained on hold for another 35 minutes before my phone shut down.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

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 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

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 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Im writing today regarding an ongoing issue I am having with the Department of Educations Public Service Loan Forgiveness program and my federal loan servicer, Nelnet. As an XXXX employee, I am eligible for this program. When former XXXX XXXX signed the law into effect in 2007, I called Nelnet to verify I was in the right program to qualify for loan forgiveness after 10 years of service and XXXX payments on an income based payment plan. Nelnet assured me I was in the correct loan and correct payment plan to qualify. I even called a few extra times throughout the past 10 years to verify everything was still in order. Once again they assured me it was and everything is correct. 

About a year ago I called Nelnet and they told me Im in the wrong type of loan and I dont qualify for the federal loan forgiveness program. Ive tried everything to try and get Nelnet to take responsibility for their mistakes for providing me incorrect and misleading information over the years. They have even acknowledged that I called when I said I did and have records indicating the reason for my calls. The customer service representative on my most recent call admitted they made a mistake and that the program was new and they didnt have proper procedures in place to manage the program. Now they have a whole department that handles it. Even after they are apologizing for the situation and apologizing to me, they claim there is nothing they can do. 

I still have a loan balance of {$20000.00} that should and would have been forgiven if not for their error. Im very frustrated with the entire situation and I dont know what recourse I have. I feel I did everything I could have done in order to assure I would be able to take advantage of the program benefits I am eligible for and entitled to. 

Furthermore, Nelnet deceived me into changing my repayment plan to the Graduated payment plan. This stretched my repayment period as long as possible while still qualifying for the federal loan forgiveness program. Which turns out I wasnt in the right loan category after all. This is costing me more money than it originally would have under the standard payment plan I was in before calling XXXX XXXX, XXXX. 

I am writing to your office to seek help in resolving this issue. I feel Nelnet is mismanaging federal loans on behalf of the Department of Education and taking advantage of individuals in Public Service.

Company response to consumer: Closed with explanation