vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX I attempted to purchase digital gift cards from PayPal using my PayPal account balance. I attempted to purchase several gift card sets and received the following error message : " Sorry, we can't complete this purchase at this time. Please return to merchant and choose another way to pay. '' It took three emails and two phone conversations to determine that PayPal is arbitrarily blocking my payments and won't provide any insight as to why or how to remedy the situation. I can only describe this level of service as terrible. PayPal can not provide any insight in to why the transactions are being blocked. They offer no remedy or potential solution other than to try again in 2 hours or 24 hours and it might work but there is no guarantee that it will work within that time frame ( or ever ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: AES/PHEAA
State: MO

Complaint narrative:
I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
I signed up for student loan servicing through XXXX XXXX/Equitable Acceptance in XX/XX/XXXX. The service was pitched as a student loan relief/forgiveness program. I was told that XXXX XXXX/Equitable acceptance would significantly lower my monthly payment on my loans for two years and then I would have a XXXX  balance on my student loans after that time period. I started making payments XX/XX/XXXX.I was told my monthly payment was {$60.00}. I later found out that Equitable Acceptance was taking {$49.00} of that payment and paying XXXX to student loans. I was told they would manage my account and then in XX/XX/XXXX, my balance due skyrocketed and all my loans were due. It turns out that XXXX  XXXX  entered me into a repayment program that needed yearly recertification based on income but I was never notified that recertification was due. When I called them, they had me go through a recertification program but now my payments jumped to almost {$300.00} per month. When I told them it was too high, they said there was nothing I could do, the payments were based on income and my XXXX. I ended up calling XXXX myself and they were able to sign me up with a different program and lower my payments by almost half, while Equitable Acceptance continued to charge me $ XXXX/month. Since XXXX XXXX and Equitable Acceptance have not actually been servicing my loans and are unable to provide any student loan relief, I tried to cancel with them but they said I could not cancel until my entire {$1000.00} balance is paid off ( a balance/fee I was never notified of and never agreed to ). They haven't provided student loan relief, they simply signed me up for a program available to everyone that I could have signed up for on my own and then charged me a bunch of money to " service '' my loans, and then failed to do any actual servicing. I can't get anywhere with them. They are telling me I can not speak to a manager, and that if I do not pay the balance then it will go into collections. It's a total scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Someone opened a XXXX account in my name that I did not autherize, the credit company 's were suppose to verify any new accounts with me as, I have been a victim of Identity theft. I have sent letter to XXXX no response. The person that stole my Identity has been reported to the police, I also reported them to the IC3 per my police department request. Ii can not file a report with the FTC due to Goverment shut down, But I did with my local police department. This account should be blocked, and removed. It should have never been opened without my 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 2019-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
First, the company changed it's name and reporting my account beyond the 7 years.

Second, have several accounts with remarks as closed unauthorized.

Duplicate accounts reported.

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 2019-01-21 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I traded in my XXXX XXXX  XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions

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 2019-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.

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 2019-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
They just keep calling 10 plus times a day no message and when I try to complain I get put on hold and never get a live person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. 
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. 
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. 
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. 
My husband will be submitting a complaint also on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX  The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX   before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX  ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I paid my account every month on time using the website but one month i got notice that they never received the payment 30 days after i paid it causing a late payment to be put on my credit report. I have tried to get the account showing as paid as agreed but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company still reporting against the statute of limutations for 10 years + to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I had to take my son to the hospital and he was on my insurance. I paid my portion of what i was supposed to pay and now i have a collection on my credit report. I have tried to get this to be removed but it has not been successful. Please help

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 2019-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Diatech is trying to collect over 35 thousand dollars from me on a home that was foreclosed on in XX/XX/2009. I have heard nothing from them until recently when i received a letter stating they were going to garnish my pay. This was a " bad '' loan and i actually a letter the Missouri Attorney General. I would appreciate if you would please help me in finding a resolution to this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority
State: MD

Complaint narrative:
To Whom It May Concern : On or about XX/XX/XXXX, I received notice that the school I was currently attending, The XXXX XXXX XXXX XXXX, filed Bankruptcy, Chapter XXXX. 

Monday, XX/XX/XXXX I received my bankruptcy letter in the mail.

Wednesday, XX/XX/XXXX at the end of my XXXX  class my teacher informed my class that there is a letter that can be signed by us students saying we were told all of our options ( I didnt receive a letter that day ). 

Monday, XX/XX/XXXX at XXXX XXXX I emailed XXXX XXXX who was the head of the XXXX XXXX department, about setting up a meeting for Wednesday, XX/XX/XXXX at XXXX XXXX  to discuss the school closure and student options. 

XXXX XXXX responded on XX/XX/XXXX at XXXX XXXX to confirm the meeting for Wednesday the XXXX at XXXX XXXX  Wednesday, XX/XX/XXXX I had a meeting with XXXX  XXXX. In the meeting, I was informed of different ways to handle the school shut down and going over credits that I would have to transfer. I also received the student options paper that my XXXX teacher mentioned at the end of class ( the paper was not signed ). The Loan discharge was not a topic we talked about during the meeting. 

Wednesday, XX/XX/XXXX was the first day I noticed that the school started to liquidate. I went to attend the school computer lab, the doors were locked and the computers were getting packed up. 

Wednesday, XX/XX/XXXX. XXXX  department and other departments of the school were being liquidated. The school was giving away XXXX  uniforms and other XXXX. 

Tuesday, XX/XX/XXXX was supposedly the last day of full my full XXXX XXXX XXXX class. My teacher XXXX  XXXX notified the class to let us know to just come back on Wednesday, XX/XX/XXXX at XXXX XXXX to take our hour-long final. The classes were originally supposed to last until XX/XX/XXXX and the school officially closed at the end of XXXX. 

My original plan was to graduate from the XXXX XXXX XXXX XXXX   XXXX  with a XXXX XXXX XXXX because of the school 's convenient location from home and its XXXX XXXX XXXX XXXX XXXX XXXX opportunity. 

After getting the news, I realized that my current registration status would not allow me to complete a degree before the XXXX XXXX XXXX XXXX  closed its doors permanently on Saturday, XX/XX/XXXX. 

I have attached the required application for a loan discharge along with the Chapter XXXX bankruptcy letter that I received in the mail. I have also attached the option letter that was offered to me in XX/XX/XXXX. None of the option were reasonable or affordable for my residential status. 

I was unable to complete the full program because of the schools closure and all of my hard earned student credits are not transferable. 

Unlawfully, the XXXX XXXX XXXX XXXX, XXXX Virginia continued to receive my federal student loan payments after filing for bankruptcy.

Company response to consumer: Closed with explanation