vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: DC

Complaint narrative:
I made arrangements with XXXX XXXX XXXX once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day  validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.

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
Consumer complaint received 2019-04-15 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: AES/PHEAA
State: MA

Complaint narrative:
I was on an Income Based Repayment  plan until XX/XX/XXXX of last year. I file for it multiple times after it was up in XX/XX/XXXX as I was not making much money. I have called XXXX XXXX numerous times to put it back in Income Based Repayment. Nothing was done. I received no emails, no letters, and no phone calls for months and come to find out it was put into collections. I have been trying to talk to the department of education numerous times since then and they would not even give me the time of day. Now they are trying to capitalize the interest and threaten to garnish my wages. I would just like to it to be back on IBR until I can find a job to pay it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Sent letters to each of the main credit reporting agencies. Transunion was the only one that hasn't honored my request, even though I submitted adequate documentation to support my claim of fraudulent accounts being opened in my name. Please review the attached files and make the necessary changes.

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 2019-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I called GM several times to send me the paperwork for my lease to register it to my new address with the dmv and they haven't sent me the paperwork. 
It's costing me a lot of extra money in insurance and it's important for me to register it in my new Address which is in a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am no longer playing this game with Wells Fargo. I have contacted the FTC. It has been 4 months now and I do not have a copy of the document where I was charged XXXX. I will be contacting additional government agencies.

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 2019-04-15 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: GA

Complaint narrative:
Hi, This is regards to Nelnet student loan servicer. I have requested to settle the debt with Nelnet in exchange for the original instrument of indebtedness. This request was initiated on XX/XX/XXXX. Nelnet responded with a letter stating we are unable to make adjustment to my credit inquiry, which I did not request ( see attachments ), It was clear what I was requesting, and they were stalling. Then I wrote another letter requesting the instrument of in indebtedness and I receive an e-mail from Nelnet stating my FORBEARANCE HAVE BEEN APPROVED and I will not have to pay until XX/XX/XXXX, WHICH I DID NOT REQUEST EITHER ( see attachments ) However, I received a statement requesting payment on XX/XX/XXXX. Now, forbearance was forced in place as a stall tactics until XX/XX/XXXX why do I need to make a payment? Again its very clear of my request and they refuse to send the information. 
Then I receive fabricated PROMISSORY NOTE ( see attachments ) from them on XX/XX/XXXX, which is clearly over the 30 days of when I requested the original instrument of indebtedness, which is clearly a violation. I have no idea who those people are on that promissory and the addresses dont even match the zip codes ; in addition, there is no signature on the document. I did not have any legal binding promissory note with Nelnet and the information provided is not factual and fabricated. Therefore, I would like a letter stating this debt will be removed off credit reports as the assumption of debt was never validated and this assumption of debt brought to {$0.00} ASAP, or I will be taking this fabricated promissory note and pursue legal actions and sue for Involuntary Servitude among other things! 
Please keep in mind Nelnet has been sued by the couple of different entities and investigate by the CFPB and being removed from list of provides for student loans because of their unethical practices. Im a prime example of the deceitfulness and wrongful doing. 
I have attached a number of attachments to support this case in, addition ; to screenshots of the when the certified mail was delivered to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
report XX/XX/2017, {$980.00}, I filed for Identity Theft with the FTC.

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 2019-04-15 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: TX

Complaint narrative:
experian keeps adding a fraud alert and my banks can not get in I told Experian to quit doing 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 explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Case Number : XXXX In summary, I did a large balance transfer of {$15000.00} in XXXX because of the 0 % APR promotion. In XXXX I signed up for paperless statements and autopay. Each month for four years I paid the minimum amount due ( approximately {$230.00} - 250 ). 

On XX/XX/XXXX I got my FIRST email informing me my statement was ready. For four years I received no email on my desktop, laptop or XXXX notifying me my statement was ready. This email revealed my statement balance was over {$10000.00}. This seemed wrong. 48 payments X {$200.00} is almost {$10000.00}. The balance should have been around {$5000.00}. 

All of my bills are paperless statements. I receive at least a dozen " statement ready emails ''. Because I get so many I simply was unaware I was NOT getting one from Chase, ESPECIALLY since I stopped using the credit card in XXXX. Therefore I was completely unaware the 0 % APR had expired in XXXX / XX/XX/XXXX. Furthermore, I was told that I never would have received a letter from Chase informing me when the 0 % APR promotion ended because I enrolled in paperless statements. 

After explaining my situation to a manager he immediately gave me a 6 month interest charge reversal of {$810.00}. Anything more than this must be approved by the corporate office ( Chase Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX ). There policy is the onus is on me to prove it was there fault. 

In this situation I disagree with that policy because this is an IT issue. It's much harder to prove IT glitches. The first corporate mediator said a Alert History proved that a " Paper Statement Notification Created '' email was created each month successfully. That is the only evidence he needed to reject my complaint. He was not open minded to consider my reasoning that this matter was due to an IT glitch. 

I asked for an appeal and got it. A second mediator researched the matter. By now I had collected more information from Chase Customer Service. My hunch was the IT glitch was corrected during a system update in XX/XX/XXXX. This explains why I got an email alert dated XX/XX/XXXX. He did not contact IT to confirm this. 

He said contact my internet provider. I did. They said check my Spam Folder. If it wasn't a IT glitch I should have had approximately 50 emails ( 4 years X 12 months ) in my Spam Folder ( because I have the auto delete feature turned off ). Nothing from Chase was present. 

In XXXX when enrolling in Paperless Statements I also selected " All documents '' and " Notices and letters ''. For 4 years I never got ANY documents, notices or letters emailed. Assuming no IT glitch doesn't that seem very unusual? 

The second mediator denied my complaint for the exact same reason as the first mediator. He said all he could do was reverse 1 month of interest ( {$100.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: Capital Accounts, LLC
State: VA

Complaint narrative:
CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This account is reporting incorrectly. I never payed late and this is reflecting a 30 day late payment. On XX/XX/2017. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX or XX/XX/2019 I called into Paypal to ask them why are they continuing to char.ge my accont for several charges. I demanded to be cancelled on or about XX/XX/2019 permanently. They continued their withdrawals on XX/XX/XXXX and ongoing causing my accont to be negative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunon keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-15 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: TX

Complaint narrative:
XXXX keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Equifax mort

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TX

Complaint narrative:
XXXX  keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX mort

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 2019-04-15 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: TX

Complaint narrative:
I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?

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 2019-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a charged off account ( personal loan ) with XXXX  XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/2019 XXXX XXXX XXXX has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: TX

Complaint narrative:
I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/XXXX. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance XXXX owed. Why are the continuously reporting a closed paid account every month?

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 2019-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

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 2019-04-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: MA

Complaint narrative:
I had XXXX stolen from my card and my card provider card.com refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This account is reporting incorrectly. I never payed late and this is reflecting multiple late payments. It is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payments this is hurting my ability to obtain credit, and report them as paid on time. If you want to remove all reporting of this account do so.

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This debt was reported and deleted from my credit file as unverified and according to law can't be charged twice I am asking this be removed and not put back on my credit file. It is known for harrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
there was a unauthorized deposit made to my account of {$2200.00} on XX/XX/2019 there were 5 checks deposited to my account for a company that i do not know. i am making a complaint because this is not the first time wells fargo does this the erases any transactions of deposits or withdrawals like it never happened. i wanted the money removed from my account but wells fargo denied the request.

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 2019-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
report XX/XX/2018, {$1900.00}, I filed for Identity theft with the FTC.

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