vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: AES/PHEAA
State: NY

Complaint narrative:
I am trying to refinance my student loans with XXXX Bank. I had to apply a Second time because my loan application expired due to not being able o get the correct documents from Fed Loan Servicing. All I am asking for is a billing statement or a payoff quote that includes my name, address, account number, interest rate, payment address, payoff amount and interest due. I have been asking since the beginning of XXXX. I have called, emailed, spoke with people. On XX/XX/22, I got a loan verification from them. Clearly on the bottom it says its not. Payoff quote. I have called 4 times since then, emailed about 6 times. They refuse to send me anything or answer emails. I wait on hold for XXXX min or wait for a call back for over an hour. Tried speaking with a supervisor, cant get them. My mortgage company needs to have this refinance wrapped up to close in a few weeks and it looks like if I dont get it, I wont be closing my home loan. I am so frustrated, I had a nervous breakdown crying to them. Still nothing. I do not know what else to do. I doubt you will get this complaint In time to help me, but if you do, Im begging you to help me as soon as possible. Thank you.in addition, I got an email from the Us Department of Education in XXXX that some or all of my student loans were being discharged and that Fed Loan servicing would contact me about it. Still nothing from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I started with this dental clinic in XXXX looking to fix a broken bridge in the front of my mouth. After I was brought on board to have work done and charge for work to be done everything started to change. I have had countless appointments trying to fix the issues in my mouth the dental clinic could never fix any problems this continued until XXXX. I have had to have the same bridge replaced three times and other damage was done because of it. this has been an emotional financial and work-related problem. I have questioned the craftsmanship of the product and work. The integrity of the dental clinic is not for their customers. Filed a dispute with the credit card company because their policy state if you are dissatisfied with credit card purchase you can dispute it and l did. The amount XXXX the bank ruled in my favor and then reversed it this is a slap in the face to me the consumer. The material that was used buy the dental clinic to make the teeth started falling apart within 2 months that is not how dental work works. To me this is fraud you said you could do a job that you could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
TILA, RESPA and XXXX XXXX XXXX to Harris Bank to verify receipt of my payment. 

Dear Harris Bank, My name is XXXX XXXX, I am a buyer of property located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX where Harris Bank was a Lender for XXXX XXXX, the Seller of this property. 

On XX/XX/XXXX I obtained a Mortgage loan from XXXX XXXX XXXX XXXX for {$170000.00} to pay XXXX XXXX and her lender, Harris Bank for this property where Harris Bank loaned XXXX XXXX {$100000.00} on XX/XX/XXXX. 

As I recently discovered, Harris Bank apparently did not received {$100000.00} or any other reasonable amount from my XXXX payment. 

According to XX/XX/XXXX Harris Bank Release Harris Bank claimed only {$1.00} received as consideration which is of course not sufficient payment for {$100000.00} loan Can you please explain why Harris Bank received only {$1.00} as my payment for XXXX XXXX loan. 

Please provide me a copy of wire transfer receipt which show the amount of money received from me or on my behalf by Harris Bank ; and identify who is the sender of this wire transfer. 

Please disclose if Harris Bank comply with XXXX in its accounting practices. These records must be kept permanently on Harris Bank books and records and be readily available upon request. 

I am not asking for any accounting records for XXXX XXXX, only for proof of my payment or payment on my behalf from the loan I received from XXXX XXXX and Loan on XX/XX/XXXX since it appears to be missing. 

Regards 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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: MN

Complaint narrative:
I pulled out my credit report and I noticed I have some fraudulent and unauthorized inquiries from XXXX on XX/XX/2021. 
I have reached out severally to the XXXX and Equifax which is the reporting bureau severally to delete this, but nothing has been done for more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2022, I reviewed a copy of my XXXX Credit Report & notice Midland Funding is reporting inaccurate information Date account open states XXXX Date of First Delinquency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2021, my credit card was fraudulently charged {$2100.00} in a jewelry store in XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX, XXXX. I was buying a {$200.00} charm from another merchant. I was told my credit card had denied this charge and offered another card. This credit card paid the {$200.00} charge. Several days later I received notice of this fraudulent charge of {$2100.00} from Citi. I contacted them and they cancelled that card, reissued me a new card with the fraud charge on it. I did not authorize or receive any service or product On this charge. Citi has denied this as fraud and as a disputed charge.

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 2022-01-13 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX  student loan of about {$3500.00} most of it is penalties and interests I am not working I'm a XXXX patient I've told them I didn't have the money year after year they keep sending me and put me in collections putting it on my credit report this long should have been given in XXXX of 2020 when President Trump gave the approval we still supposed to be in the pandemic at this time and they're still calling and and turning me in late to the credit bureau nail that has created a problem for several people I've read I've seen the news they should be reprimanded and taken out of business because they are not a credible source for collecting debt in my words please stop nailing it and I was my loan was supposed to be forgiven. They are like some debt collectors that I've never seen before in my days of living they know that this is a pandemic and people are going through a lot right now and they continue to hit your credit report they've hit my credit report several times I asked him to clean it they don't want to clean it I think something should be done from through the government about Nelnet too many people have turned their net in please let me know what you find out thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with Experian to correct information on my credit regarding a collections account. As of today, the only thing Experian has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my Experian credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the Post Office receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that Experian is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant Experian do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collectorXXXX XXXX XXXX XXXX XXXX XXXX they are a bunch of XXXX. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks

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 2022-01-13 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I had a loan modification due to XXXX. I was told to start making my payments on XX/XX/XXXX which I did. However the modification didn't close until XXXX. The did not apply my payments correctly because of the delay with the modification. They keep reporting me behind on my mortgage when I am not. I have been told twice this was corrected but once again it was reported on XX/XX/XXXX to XXXX that I am behind XXXX dollars. I am i the process of a HELOC and they have damaged credit and caused the loan to be denied. 
please see emails from XXXX attached Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with XXXX to correct information on my credit regarding a collections account. As of today, the only thing XXXX has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my XXXX credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the XXXX XXXX receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that XXXX is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant XXXX do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collector-Midland XXXX XXXX XXXX XXXX XXXX they are a bunch of crooks. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: OK

Complaint narrative:
On XX/XX/2021, I received a email from Sofi informing me my account had been frozen. In the letter it told me to call their fraud prevention team and speak to someone to help get my account released. However since then I have left over 20 voice mails and used multiple channels to contact representatives of Sofi. To this I have received only one email telling me they didn't know the exact time someone would reach out to me. It is very frustrating to be told to contact people regarding your security and money and no one responds for two weeks and it has forced me to take this outside of the communication with the company and find third party assistance. The following is what I have tried to do to contact anyone in Sofi for help. 

1. Call Sofi : I tried to call their Fraud Prevention Team over twenty times with no responses to my calls. I tried to call other departments to talk to anyone but because my account is frozen they automatically send me back to the Fraud Prevention Team. 

2. XXXX : I have tried posting on the Sofi XXXX XXXX twice asking for community help but both of my posts were not approved by Sofi XXXX. I also tried contacting the Moderator herself and she has no responded at all to the message. 

3. XXXX : I tried to reach out via Sofi 's XXXX but they have no responded there either. The community members on the other hand were very helpful and I was informed to take the problem here from one of the members. 

4. Email : I have also reached out via Email and was informed two days later they didn't know how long it would take for someone to get into contact with me. This had been a a little over a week after not receiving a callback from Sofi regarding the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: GA

Complaint narrative:
Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: SC

Complaint narrative:
on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Profit Service Group to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company profit service group they closed the account profit service group did not remove nor sent me a copy of such deletion sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA

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 2022-01-13 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: LEXISNEXIS
State: GA

Complaint narrative:
Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then 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 2022-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on Equifax Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on XXXX Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Company disagrees with dispute and PURPOSELY put transaction back on the day statement generates .. not giving me a chance to appeal or to not have it affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation