vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet was given standing instructions on how to apply my payments sitting a phone call to them in XX/XX/2018. Although, in XXXX, my payment was applied differently. I called them at the beginning of XXXX and was told that someone in the accounting department deciding that how they applied my payment was better for me, deliberately going against clear standing instructions that the staff member was able to articulate clearly from the notes on my account. I then called today, XX/XX/XXXX, to complain to a manager regarding this choice made by their employee. I was told that they would submit a formal complaint. I then requested that I receive a copy of the complaint. I was told that they could not and that was between Nelnet and the government.

There is no repercussions for this company and their inability to handle customers or their employees. No accountability to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is my lender, I am grateful they gave me a loan modification about 6 years ago. I have not had a single 30 day late since the loan was modified. 
my problem with the loan is ; the first payment increase after being fixed for 5 years was 16.5 % on the first adjustment. 
XXXX to XXXX in one increase and XX/XX/19 my payment will be XXXX. 

so in approximately 13 months my payment has increased {$290.00} which is 21 % increase in just a little over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/2019, I made a payment of {$160.00} to my loan servicer for one of my loans. During this time, I was also considering refinancing all of my student loans, both my XXXX XXXX XXXX loans and my private loans through Navient, into one through XXXX. On Sunday XX/XX/2019 I began filling out an application to XXXX to refinance my students loans by consolidating them. Monday XX/XX/2019 XXXX approved my loan application to refinance and consolidate my loans. 

I then called my loan service, Navient, to 1 ) get a 10-day payoff letter to provide to XXXX and 2 ) cancel the pending payment of {$160.00} so my 10-day payoff amount would be accurate. 

1 ) I was advised of the total amount of the 10-day payoff and that I would receive a letter in my Navient inbox through their website the morning of Tuesday XX/XX/2019. Navient has two separate inbox 's on their website - one for XXXX XXXX XXXX loans and one for private loans. I received a 10-day payoff letter in my XXXX XXXX XXXX inbox for an amount that is completely different that the 10-day payoff amount I was originally provided on Monday XX/XX/2019. So, I call Navient to get an explanation. I was then told it takes 24 to 48 hours to receive 10-day payoff letters ( remember that I was originally told that I would receive it " in the  morning '' ). I was also informed during the second phone call that I would be received 3 10-day payoff letters, not 1. All for different amounts that would total the single sum I was originally provided. I was also told that the previous person I talked to gave me incorrect information regarding when I would receive the 10-day payoff letter and the number of letters I was going to receive. I was then told that Navient would resend all the 10-day payoff letters I requested and it may appear confusing because I could potentially receive multiple copies of the same letter. I was also told that it would take an additional 24 to 48 hours to receive those letters, but would most likely receive them Wednesday XX/XX/2019.

2 ) I was advised by Navient that they were unable to cancel the payment of {$160.00} because their system is unable to cancel a pending payment once 24 hours has gone by, however it would take 2 to 4 business days to process the payment. Navient told me that I would have to contact my bank. I called my bank and my bank advised that I had no pending transactions from Navient. So, I put a stop payment on my bank account for Navient so if they tried to process the payment it would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Years ago I wanted to pay off my higher interest loans with payment which were higher than normal/minimum. I noticed Navient 's website did not allow me to select certain loans to pay off with extra payments, everything was distributed by their system. I called the servicer and was told on the phone that I was unable to select what loans I wanted the extra payments to go towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: FL

Complaint narrative:
I was a victim of identity theft and explained to TransUnion that I did not authorize any inquiries on my credit. The representative for TransUnion was very unhelpful and I was transferred to the supervisor. They still did not take care of the negative inquiries reported on my credit report. I need these accounts deleted off my credit file. It is hindering my livelihood and I was not the one to authorize them. XXXX  and XXXX  deleted it with no problems, but TransUnion is the only company not cooperating. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I applied for a loan modification, after falling back on my payments. I submitted documents for a modification in late XX/XX/XXXX. I sent ALL documents the bank requested, as I was cognizant of the faxf that a full application package has to be received prior to 37 days of a scheduled sale date of XX/XX/XXXX. On XX/XX/XXXX, the bank had confirmed that they have a complete package, therefore bearing the 37 days threshold. I was further advised that the underwriter may request other documents during the process if needed. Contribution letter and paystubs from the contributor were requested and sent immediately upon the request. The underwriter then asked for a lease to be completed. When I spoke to XXXX at the bank, he said the lease for the amount of {$900.00} is not complete. XXXX tried fi find XXXX reason the underwriter said that, by examining every page of that lease. He then said its the tenants initials that were missing on page 5 of that lease. I immediately obtained the initials and sent back. XXXX had said it was the last piece of document they were requesting. On XX/XX/XXXX at XXXX. I called in the same day, AND also the day after New Years Day. and it was confirmed as recieved. 

Fast forward to today XX/XX/XXXX, when I called in just to make sure things were moving, and was told nothing is being processed because we are within 16 days to sheriff sale, and the underwriter was asking for something else he FAILED to request when he indicated that the initial on the lease was the last thing he needed! Please note i sent in the last document on XX/XX/XXXX and it was confirmed as recieved. 

Underwriter failed to request specifically what he needed, so kept on asking for docs that obviously didnt satisfy the issue he had, which up until this minute, we havd no idea what that is. Allbwe know is that we sent ALL documents requested immediately as they were requested and was done befits their designated 16 day day window. It is the banks fault, not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo Retail Services a Division of Wells Fargo Bank N.A with an address of XXXX XXXX XXXX XXXX NC XXXX is trying to report me as being late to the credit bureaus when in fact they entered into an agreement with XXXX XXXX XXXX out of California on my behalf. I hired XXXX to help me with my debt because of a loss of employment and health reasons. I was unable to make my payment, but entered into an agreement with CCC to negotiate with all my creditors. Wells Fargo was one of them. I was late with my payments and in XXXX I signed off on an agreement with CCC and they contacted Wells Fargo Retail Services on my behalf. Wells Fargo accepted an agreed amount of XXXX per month to receive as a payment. All past due amounts, fees and high interest rates were supposed to stop and cease at the very moment they accepted payment. But yet Wells Fargo is trying to report me as being past due to all the credit bureaus and that is not the case. They are saying i am past due XXXX and that is not the case. This is simply a case where this company agreed to a specific amount and are now trying to get more outside the scope of the XXXX agreement. This is nothing more than a Fraudulent attempt to reneg on their agreement with CCC. They are willfully trying to extort more money from me and trying to harm my credit because I am refusing to pay anymore than the amount that was agreed upon. My account is supposed to be reported to the credit bureaus as paid on time based on the terms and conditions of the XXXX agreement. I now may have to remove them completely from the XXXX program, default on the loan and leave them with nothing since they want to be greedy about this. Why continue to pay them an agreed upon amount each month for them to report as late or past due. This company has been found guilty of fraud int he past, they have agreed to pay multi-millions in fines because they opened up fraudulent accounts and now they want to pull this on me? Unacceptable.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TN

Complaint narrative:
On XX/XX/XXXX, I learned that IRS placed a levy on my Social Security Retirement Benefits. This prompted me to contact XXXX XXXX and request my transactions. I needed a hard copy of my transactions. 

On XX/XX/XXXX, I received my request. To learn that another person name and a card number had been added to my debit card without my permission/ knowledge. 
The name added is XXXX XXXX XXXX, the last four digits of the card added to my card is ( XXXX ). 

This information was added to my account XX/XX/XXXX. You can check with Social security, to confirm that only my name should be on this account. The last transaction with that name and card number was done XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Today, I tried to log into BOA online to check my account. It would not let me in. When I tried to get username and password help, BOA sent emails to accounts belonging to other people. When I called BOA, they said they were aware of the " glitch '' and not sure why it was not yet fixed. Why is BOA allowed to have a " glitch '' that sends my information to someone other than me without my knowledge or consent?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised  since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc.
State: NH

Complaint narrative:
On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

Company response to consumer: Closed with explanation