vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in 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 explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
i have a couple medical bills reporting from collection agency i asked for proof of accounts and i never received docs on this this accounts and they still shoeing on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.

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 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
When trying to change the account from which my monthly payments were automatically drawn from I was given untrue information from PNC bank which ended with XXXX payments being late and thus affecting my credit score. I have tried working with PNC to resolve the issue, but it has not been successful. I 'm simply looking for the recorded phone calls I 've had with PNC to be reviewed to prove their error and my credit score to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This has been an ongoing issue with equifax since XX/XX/2015 to present. I have attempted numerous times to have identity theft information removed from my credit report with equifax. Instead of them removing the information they keep reinvestigating and not providing any documents, not providing my legal signature on a contract or any contracts at all. As one last ditch effort I mailed out another request to Equifax requesting to have these items removed and it has been 30 days with no response. NO CONTRACTS OR DOCUMENTS have been produced. I have also provided credit reports from XXXX and XXXX because they have complied and have removed this information and not reporting as EQUIFAX continues to do so. Equifax continues to apply stall tactics, not complying with FCRA and not complying with the law for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Deutsche Bank
State: VA

Complaint narrative:
I received a private student loan from Deutsche Bank through the Affiliated Loan Program at XXXX University in XX/XX/XXXX. The loan was serviced through XXXX. Due to missed payments, the loan was sent to a collection agency called XXXX. After months of making payments to the collection agency, I was finally able to pay off the account in full in XX/XX/XXXX. I have documentation from the collection agency that the account has a XXXX balance. I was under the assumption that this information would be relayed to the original loan servicer ( XXXX ) and subsequently the original lender ( Deutsche Bank ). Upon receiving an updated copy of my XXXX credit report, the account in question is still displaying a balance of {$1100.00} and is displaying XXXX missed payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have worked extremely hard and have had to make some difficult decisions to get this student loan debt behind me and noting I do seems to be working. There has obviously been a major lapse in communication between the three parties listed above. All I want is to do is get my credit in order. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: AZ

Complaint narrative:
They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Innovative Collections, LLC
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Global Recovery Group
State: TX

Complaint narrative:
Global Recovery Group contacted me about a payday loan they claim was taken out in my name. The XXXX data provided by Global is not mine and I unequivocally deny having taken out a payday loan or similar. Additionally, there has not been an attempt to collect from the payday loan company at any point. The " loan '' is not listed on my credit report nor have I received any notification from my credit monitor that a payday loan was applied for or given. I believe this to be a scam to collect on a non-existent or fraudulent loan.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Manhattan Beach Venture, LLC
State: OH

Complaint narrative:
Called a student loan forgiveness loan department and they wanted me to pay a fee of {$500.00} after i gave them sensitive information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2008 court awarded my exhusband XXXX the property on XXXX in XXXX, Ca. with all encumbrances .. This bank of america loan # XXXX is still showing up on my credit report.. I have contacted bank of america on this subject. This is listed as an invividual on my resent credit reports.. This was a joint account..

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 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a PLUS Student Loan serviced by Navient. I graduated in 2013 and since then my monthly bill has been outrageous. The loan is in my mother 's name since I was not allowed to take out a Federal Loan in my own name at the time I enrolled college. Because it is in my mother 's name my monthly payment is calculated taking into account BOTH her yearly income as well as my father 's yearly income as both of my parents are married. Unfortunately, with their bills they can not pay my student loan and I am forced to pay not only my loan through Navient but also by Subsidized and Un-subsidized loans through the Department of EDU - Federal Direct Loans. I was given no help to navigate through this by Navient and was even hung up on after many attempts to contact them for help to try and consolidate the loans under my name to lessen my monthly payment. If there is any help you can get me regarding this situation, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan is with Navient, and my payments were {$31.00} a month for a year, I resubmitted my " Income driven repayment '' application and they told me that it would take up to 15 days to recalculate my payment. Well the next month ( XX/XX/XXXX ) {$210.00} was taken out of my bank account. I contacted them on XX/XX/2017 and was told that they would refund my money. Three phone calls later and it is now XX/XX/2017 and my money still has not been refunded. I know that I am not the first person that this has happened to, and being that I 'm not wealthy, I need my money to buy groceries, gas, bills, etc.. Navient needs to find a way to get refunds back faster to their customers. It was taken out of my bank account, but they say their mailing me a check? Why? I did n't pay by check, and it takes 2-3 weeks for processing. Also, when they determine the amount you are due to pay, they go off of your Net pay, instead of Gross pay. Do they not know that we have taxes, SS, retirement, insurance, ect.. taken out of the Net pay? I really want to pay off what I owe, but I will not go broke for them, and my balance is the same now as it was in the beginning. This loan repayment system ( Navient ) is feeling more like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient and XXXX XXXX has ruined my life. I have lost everything due to the way they have ate up my credit report. I was in the Military, and XXXX. I have XXXX accounts on my Credit Report. They are selling my accounts re aging them, and leaving 90-120 day late fees. I have called and told them that I am on public assistance now because I ca n't get hired anywhere in a professional setting. My loans are consolidated, and they are still putting late fees on my credit report. I have went from a XXXX credit score to XXXX!!! All because of Navient. I ca n't find a job in my field because I of all the late fees on my report. I am currently paying XXXX a month just so I can get out of default. I could n't even get my taxes because of they have offset them. I am so depressed because I am trying to make payment on my account. They refuse to take off the late fees and remove the old accounts off my credit report. THE FEES ON MY REPORT ARE GOING TO BE THE CAUSE OF ME LOSING MY HOME. Please help me resolve this matter I need those late fees off my credit report and my account bought current, and please delete the old accounts that were transferred with derogatory information. Or just delete them all. I losing everything. I ca n't work in my career. How can I be able to pay you and I ca n't get a job due to your late fees. Please remove these accounts from my report

Company response to consumer: Closed with explanation