vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I spoke with a customer service rep for Nelnet back in XX/XX/XXXX. I was trying to get an amortization schedule because I wanted to see how my balance was being paid down over time as well as a breakout of interest vs. principal. He said there is no way for Nelnet to provide me with that. ( See attached below. ) The reason I asked is because my loan terms just didn't seem to add up. I felt like I was paying much more than I was supposed to based on my interest rates. This morning ( XX/XX/XXXX ), I received an email from Nelnet indicated that my student loan rates were increasing. I was not aware that this would happen. I then checked my email history from Nelnet and found that the interest rate for this loan has been raised twice in the past with email notification dates from XX/XX/XXXX and XX/XX/XXXX. Nowhere in my loan details on Nelnet 's site does it say that my rates would increase or that the interest rate is variable for that loan. My payment amount did not change, either. Which is why I was unaware that more of the payment was going towards interest. This is why I wanted an amortization schedule in the first place back in XX/XX/XXXX. 

In the chat transcript ( see attached ) from XX/XX/XXXX where I asked about the amortization table, the Nelnet rep mentions that he does not see interest rate variability on my loan. This

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On or around XX/XX/XXXX I called XXXX XXXX to inquire on the cost of coverage for a home I was in the process of purchasing. I received a quote but decided to go with another company. About a month later I received a bill in the mail from XXXX. I called the company and was told it would be taken care of because there was a misunderstanding on the companies behalf. A year later the account showed up as a collection on my credit ( I can not remember which collection agency it was listed with. ) At that time I disputed the account as not mine and contacted XXXX to advise. A representative again told me it would be handled. Then in XX/XX/XXXX the collection appeared again on my credit. I called XXXX and spoke with a supervisor who advised he would contact CCS Collection to have the account removed. He stated it would update on the credit bureau within 72 hours. I never signed any documents or agreed to use XXXX as my insurance company, I only asked for a quote. I chose XXXX for my homeowners insurance in XXXX of XXXX so I should not have been billed for anything because XXXX did not provide me with any coverage. My mortgage was set up with an escrow account which I would have provided the insurance company 's information to had I used them ( escrow was a requirement. ) Also I never received any type of communication from CCS Collections. I have been told repeatedly they would take care of the situation and three years later, there is still a collection reporting to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Consolidated Information Services Solutions, LLC
State: MD

Complaint narrative:
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **Diversified Consultants ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: HW Holding, Inc
State: SC

Complaint narrative:
I noticed this debt on my credit report. I informed the company they are reporting inaccurate information such as my name. They responded with a copy of a signed lease. The name on the lease does not match the name they are reporting on my credit report. I reached out for debt validation on XX/XX/2019. I also reached out the XXXX and advised that there is an incorrect name on my credit report. I was told by XXXX   that Hunter Warfield would have to correct because it was linked to an account. I never received a summary of the charges and where this amount accumulated from. I also requested a copy of the application to be sent to me with the name matching that is being reported on my credit report. Being that they are reporting inaccurate information such as my name, and have failed to provide proof of the debt, other than a lease, i am asking to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NC

Complaint narrative:
Equifax has 2 collections on my credit report that are not mine and I have asked them to remove the collections as they are not mine and being wrongly reported. I have provided a police report and only XXXX and XXXX XXXX has removed the accounts from my credit report immediately after being asked. However Equifax has not removed the accounts from my report not provided any documents to prove the collections which are not mine my credit report history is 100 %, not one late payment out of 16 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: National Recoveries, Inc.
State: NY

Complaint narrative:
I am currently in a Department of Education Rehabilitation Program. I feel I had successfully completed the required amount and number of payments to be off the program and back to the regularly scheduled payments with a modification to my credit report noting this as such. The service indicated that a " problem with paperwork '' resulted in " having to start over. '' Now I am back in a new rehabilitation program and they are threatening to garnish my wages! I am a United States XXXX XXXX XXXX XXXX XXXX XXXX member and I need assistance resolving this matter please. 

Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have filed for bankruptcy due to health bills and we are trying to keep the house. I have been calling for 2 weeks to get a affirmation form to give to the Judge to not include the house in the bankruptcy. I also have been trying to make a payment but cant get ahold of anyone in the Loancare bankruptcy dept. please help me. I have tried everything to get ahold of loan care..

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
At the end of XX/XX/XXXX, I had called Bank of America to close my Spirit Bank of America XXXX. 

I assumed this had gone through, although now looking back, I did not receive a letter from this company regarding this closure. 

I did not use my card after this, but then was charged my annual credit card fee that is associated with the card in XX/XX/XXXX ( XX/XX/2019 ). I was unaware of this, as I had thought I had closed my account and had recently moved, changing the address on my current open accounts ( except for this one obviously ). I was notified that my score dropped drastically from this on XX/XX/2019. 

It wasn't until I saw the notification on my credit report that I realized that this was still open and now overdue. I paid it, after disputing with the company and not getting anywhere because I am trying to buy a home and didn't want the late fee to progress any longer with my credit score being affected. 

I have also opened disputes with the credit reporting companies regarding this. I have never had a late payment before and am very frustrated that this happened and has affected my credit so intensely. 

Thank you for your time and I look forward to the resolution of this matter.

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 2019-07-17 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
WE HAD THE ACCOUNTS DISPUTED FOR SEVERAL MONTHS AND HAVE NOT RECEIVED A RESPONSE FROM THE CREDITORS DURING THAT TIME PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello on XX/XX/2019 went on XXXX  XXXX noticed i got a hard pull from capital one on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Independent Dealers' Advantage, LLC
State: TN

Complaint narrative:
I got a car from a company in XXXX of XXXX In XXXX of XXXX that company transferred my contract to another company. Ever since the transfer I have had phone calls telling me that I am late on my payments. And every time I call in to make my payments I am harassed about being late. The truth of the matter is that I have been paying a week ahead since I got the vehicle. I called the company and spoke with one of the managers and went through my original contract along with my bank statements showing the dates on which I have made payments. My first payment was due on XX/XX/XXXX I made my first payment on XX/XX/XXXX other then a week period when I have no idea that my contract had been transferred to a new company because the old one did not answer the phone I have paid every week. Once I found out who the new company was I made a two week payment to catch myself back up. The two week payment was made on XX/XX/XXXX My final payment to the old car company was made on XX/XX/XXXX. The payment on XX/XX/XXXX would have been for the Friday the following week XX/XX/XXXX. I did not make a payment the week of the XX/XX/XXXX because I did not know my contract had been transferred. When I did find out I made the payment for two weeks on XX/XX/XXXX. The new car company IDA refuses to change this in their system. They are also charging me XXXX fee to pay my bill that I can not avoid. The old car company ( XXXX ) charged no fee and was located fifteen miles from my residence. IDA is located over four hours from my residence and refuses to drop that credit processing fee. The processing fee is listed no where in my original contract. My over all experience with IDA has been lees then positive and their business practices are very underhanded. I plan on suing this company for breach of contract. As well as not informing me within the legally aloud time frame of ten days of the transfer i had to investigate myself to figure out who had my contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **XXXX XXXX ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX** stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX 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 2019-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit file from Transunion # XXXX. This is the latest of numerous reports that I have requested over the last year to correct inaccuracies on my credit file. 
XXXX XXXX # XXXX has been inaccurately reported on my credit for over a year. Transunion as changed the open date which I disputed, the date reported open on XX/XX/XXXX now reports XX/XX/XXXX. The close date that I disputed originally reported XX/XX/XXXX now XX/XX/XXXX, and originally reported this account was closed in XX/XX/XXXX as result of a filed chapter XXXX bankruptcy and now reports it was discharged in chapter XXXX in XXXX. All this information is inaccurate as were the previous information. I also disputed the high balance on the account with no change occurring during the last year and it was not mentioned in any of the results. 
XXXX # XXXX has been inaccurately reported on my credit file as well for over the last year. I disputed the open date of XX/XX/XXXX asking for a record of payments which I never received, I disputed the closed date as well again referencing a payment history proof to verify this date without success, their printout of their report shows no payment history. I ask for verification of the balance without success and lastly again I ask for verification of the accuracy of the chapter XXXX bankruptcy associated with this account since it originally reported chapter XXXX with the same dates. 
I have requested a copy of the results of the investigation including the process and contact of the creditor representatives spoken with and address and phone of creditor as well that was used during the investigation process which I have never received in the year of trying to get my credit file corrected. 
These two account remain on my account with multiple changes to the records and still remain inaccurate. I question the investigation process which I requested copies of which I have not received. 
Mostly recently I was sent a letter requesting additional information to verify my identity which I sent originally and have every time I previous have done so by certified mail.

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car. 

Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan. 

The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront. 

Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me. 

I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
I applied for a personal loan with this company and gave them all they requested. XXXX   XXXX  they told me I was pre approved subject to income and assets which I sent. They dont call me but send me a email saying Im declined with no explanation?! They are obligated by law to furnish me a letter yet they are making me go through hoops to get this. This is ludicrous! And my credit rights are violated. I want them investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NY

Complaint narrative:
Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.

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