vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/2018 I made a payment of {$490.00} to Nelnet ( Bringing me current ) On XX/XX/2018 I made a payment of {$50.00} to Nelnet ( Keeping me current ) On XX/XX/2018 I made a payment of {$53.00} to Nelnet ( Keeping me current with decrease in balance owed ) However, my credit report as of XX/XX/2018 has yet to be updated correctly. 
I called XXXX  and filed a dispute sometime in the month of XX/XX/XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XX/XX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three Nelnet accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both Nelnet and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but Nelnet has three separate account on my credit when in Nelnet I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. 

By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. 

Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: AL

Complaint narrative:
I started taking out loans to pay for my XXXX in XX/XX/XXXX. At the time, I was a XXXX XXXX XXXX. It wasn't until a friend told me about the XXXX Loan Forgiveness in spring XX/XX/XXXX that I knew that I even qualified for forgiveness. On XX/XX/XXXX, Great Lakes acknowledged receipt of my XXXX loan forgiveness application. While I received a {$5000.00} forgiveness payment on XX/XX/XXXX ( and am awaiting word on the other {$12000.00} ), I was never told by my loan company about either the XXXX Loan Forgiveness Program or the Public Service Loan Forgiveness Program. I can not even begin to calculate how much money I could have saved ( including thousands in interest ) if I had know about this program earlier. Now, I am having such a difficult time paying for the loan, that I need to go into forbearance for months at a time ( since XX/XX/XXXX ) due to the high payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We noticed a hard enquiry by XXXX XXXX on my husband 's credit report. The enquiry, dated XX/XX/18, was not authorized by my husband. Fortunately, no account was opened, but the hard enquiry still affects my husband 's score. We are in the process of looking for a home. Our credit is really good fortunately ; nonetheless, this enquiry still affects our score and may impact our ability to get the best possible loan rate. 

I followed up with the three reporting bureaus XXXX, TransUnion, and XXXX, together with XXXX XXXX on XX/XX/18. XXXX  and XXXX  were able to help me straight away. TransUnion however, gave me a complete runaround. First of all, their customer service person was really hard to communicate with. Second, I was told to contact XXXX XXXX again and request a deletion letter, then send that and an authorization letter to TransUnion. Then after 30 days, I have to call TransUnion to have them delete the information ( why is this not done automatically? ). I contacted XXXX XXXX again and they said they could not do anything and I would have to deal directly with the TransUnion. XXXX XXXX were nice enough to refer me here ( consumerfinance.gov ), and apologized there was nothing else they could do. I went back to TransUnion and was told something different from the first call. I felt like I was getting the runaround. Now, I just don't know how to get this removed from TransUnion and I've already spent most of the morning on this without resolution. 

If XXXX  and XXXX  can handle this so efficiently, why can't TransUnion do the same? Why should TransUnion be given any power at all if they can't actually do what they are supposed to do? All I need is a straightforward way to get this sorted out. Perhaps it's time that TransUnion were required to review their practices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mobiloans, LLC
State: AK

Complaint narrative:
I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I still have {$110.00} reward balance when the Capital one Spark visa was cancelled by the bank.I didnt owe them money and I always paid off the bill before the due day. I didnt received any notice or reason.I tried to talk to them, but I was denied from XX/XX/2018-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: HONOR FINANCE, LLC
State: OH

Complaint narrative:
Bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX case XXXX XXXX  in the XXXX   XXXX ohio federal bankruptcy court. One account, Honor Finance has been notified of the filing and discharge but refuses to change the status to closed and XXXX. Multiple attempts to speak with someone results in voicemail. No call backs and no return emails. The bankruptcy was discharged and by bankruptcy law, they are required to change the status correctly. This is now affecting my credit report as they will not show account closed. My account with honor finance is # XXXX. I have disputed each and every Credit agency report. This account was not reaffirmed in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loan was paid off on XX/XX/2018 at Wells Fargo XXXX Branch, Washington. 

Was informed that title will be mailed in 4-6 weeks. 

Contacted WellsFargo on XX/XX/2018. They again said that it will take additional 4-6 weeks and would not do anything to rush that process I feel struck in the situation, as DMV said they can rush the title if they want, since its the fault of processing on Wells Fargo part, they should rush the title to me so I can move with my life.

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 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was sold effective XX/XX/2018 by XXXX XXXX XXXX, XXXX to Shellpoint mortgage servicing. I had made an agreement with XXXX to pay {$300.00} per month for 12 months ending XX/XX/2018. I made those payments on time and as agreed. Upon taking over my mortgage, Shellpoint began sending correspondences and calling me demanding higher amounts. Their representatives continually claimed I was in foreclosure and hadn't made a payment in 15 months. The payment amounts have varied radically from {$490.00} to {$510.00} to {$690.00}, {$710.00}, and {$810.00} in a statement dated XX/XX/2018. I have lived in my home for 20 years and these threats and correspondences have me in fear they will take my home. I am retired, or so I thought, on social security of {$1300.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: MN

Complaint narrative:
On XX/XX/2018 I sent a letter to Experian explaining that the accounts they are reporting on my credit report are not verified accounts and they are reporting incorrect information. Since they are reporting the unverified accounts on my credit report I requested that they send me a copy of the original contract that created the accounts. Experian has failed to provide these documentations. The letters provide all the unverified accounts that they are reporting on my credit report which they did not verify with the original creditor or provide copies of the original contract from the creditior. All of my letters were sent certified mail with USPS. On XX/XX/2018 I sent them another letter in the mail to request a copy of the original contract that created these unverified accounts that they are reporting on my credit report. They again failed to provide me a copy of the original contract. On XX/XX/2018 I send them a third letter requesting the copy of the original contract. They failed a third time to provide me a copy of the original contract. On XX/XX/2018 I sent them one last letter asking them to remove these unverified accounts off my credit report or provide me a copy of the original contract that created these accounts. If they can not provide me a copy of the original contract they are not reporting the information correctly on my credit report. Therefore they must remove all unverified accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IN

Complaint narrative:
After reviewing my account history, I have found that I made on-time automatically scheduled payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It appears that the preset payment amounts I submitted through my online bill pay were not sufficient to cover the bill at the time ; however, I never received - to the best of my recollection - any correspondence written or via telephone or email indicating that I was overdue on the bill and owed an additional amount.

In the most recent incident I paid {$6.00} less than the total bill ( sending {$120.00} for my payment on a bill of - apparently - {$120.00} ) yet was charged nearly {$40.00} as a fee.

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 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I notified Big Picture Loans 2 times last week that I revoked automatic debits as I temporarily lost my income. Even so, they tried to debit my checking account this morning resulting in a {$33.00} fee for me. In with this, I have come to understand that the interest charged is not within what Minnesota Law allows. I am willing to make some kind of agreement to make payments once my income resumes, however, I request to negotiate the interest and I request the revocation be immediately honored. I also request the they refund the fee I incurred as I sent the revocation in writing. Last, since I had a prior loan and was charged an illegal interest rate I request that an adjustment be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: ND

Complaint narrative:
Co-signed private loan for my son on XX/XX/XXXX. Began paying on loan XX/XX/XXXX. Have paid {$23000.00} on an original loan of {$16000.00}. According to Navient I still owe {$19000.00}. Have made timely payments. This company is currently being sues for predatory lending practices. This company has acted fraudulently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a lease with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I leased a XXXX XXXX XXXX for approximately 2 years, and was going over my mileage which would ultimately cost me around 2-3k at the end of my lease for overages. I was duped by the salesmen & the finance manager to turn my lease into a finance to avoid having to pay the 2-3k in mileage overages. So, instead they had me finance the car for more than its worth brand new. This vehicle was already two years old and now i am financing it for over {$25000.00}, when brand new its worth {$23000.00}. Bad business practice and put me in a huge negative equity hole. The fact that they would take advantage of someone who bought there first car with them is downright awful. There has to be illegal mark ups & interest involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
Delta management associates has so far : Called me all hours of the day and night Called my brother Called my mother Called posing as an investigator from a law firm looking for me regarding a former employer ( number is out of service and company didnt exist )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I did not know I owe any money to XXXX XXXX XXXX XXXX XXXX until I schedule an appointment. Therefore, I, immediately, paid {$200.00} to XXXX XXXX XXXX XXXX XXXX in XXXX, New Mexico. I never dealt with a collection agency in any of the dept they are reporting in their remarks as " paid collections. '' This is incorrect. As of XX/XX/2018, I do not owe any money to XXXX XXXX XXXX XXXX XXXX ; however, they are, also, reporting I owe {$200.00} on TransUnion credit report as I attached this file. Furthermore, I received a ledger from XXXX XXXX and, not a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: MI

Complaint narrative:
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX XXXX  {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00}XX/XX/XXXXXXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX{$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX AFNI {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00}XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sterling Credit Corp.
State: GA

Complaint narrative:
I was contacted in XX/XX/2018 by XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ) that I have a credit card payment to make. I initially thought it was a scam call as I never heard of XXXX XXXX XXXX before. When I called them they said they are not receiving payments and I am the owner on the account. I said I never owned XXXX XXXX XXXX 's credit card and asked them to email me the original credit card application which they did. I contacted them right away as I notice the signature on the credit card application was not mine and my ex-husband put the signature for joint owner. I disputed this credit card and questioned XXXX XXXX XXXX how did they add my name without taking my permission. I filed complaint with XXXX XXXX XXXX police about this and I clearly mentioned that the signature on the application is not mine and emailed the affidavit to XXXX XXXX XXXX. In-spite of doing all this, XXXX XXXX XXXX didn't remove my name and now they sold the account to XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX ). Now I am receiving collection calls and letters from XXXX XXXX XXXX. I would like you to take action on XXXX XXXX XXXX which made a mistake of adding my name to Credit card without taking my permission and started bothering me when they stopped receiving payments from my ex-husband. It is causing so much stress and pain and affecting my daily life. Though I am innocent here, I am being punished with these phone calls and letters. Please take appropriate action on XXXX XXXX XXXX as they made mistake of adding me without my knowledge and for harassing me. No credit card company or lender should get away for their own mistakes and harassing innocent people I condemn XXXX XXXX XXXX 's attitude and behavior towards me in this whole process and question their policies for issuing credit cards and XXXX XXXX XXXX for calling and threatening me with their phone calls and letters

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation