vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA for approximately {$21000.00} after down payment receiving financing from Nissan Motor Acceptance.  Upon purchasing the vehicle I set up auto-pay in order to make direct deposits in order to pay off the vehicle. From XXXX until XXXX I had never missed a single payment and was well on my way to paying off the vehicle. Upon the final payment, which should have been XX/XX/XXXX, I checked my account and saw a {$0.00} balance. At that time the account was closed out and I was no longer able to log on to the website. I had figured everything was taken care of and my debt was paid. About 8-months later I received information that I still owed {$410.00} ( the last month 's payment and the final balance ). Keep in mind I move around a lot being in the military so if they had sent me letters it was probably to a prior residence. After finding out the information, I called Nissan Financing and they were unable to help me, stating that my balance had been turned over to a collections agency, which I just recently found out wasn't true when I finally paid the remaining {$410.00} balance. 
I have recently disputed the claim just to get it taken off my credit report after paying off the final balance, but they acknowledged my payoff and refused to take the negative information off my report. My question is, what would be the sense in paying 59 payments of {$410.00} over the course of nearly 5-years, then simply disregarding the final {$410.00} installment? {$410.00} isn't worth not receiving a title or my credit being destroyed. Why in the world would I invest that much money into something I didn't intend to pay? Why would 59 payments be made at the same exact time each and every month during the duration, then suddenly stop on the 60th installment. I just want a clean credit report as all of my other accounts are clean and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Each month Navient charges me a late fee and my statement clearly shows I paid on time. I've asked for the Navient 's representative to to explain and help me figure out why. Each month I or my wife call and explained the issue. Navient respond by saying it's a glitch in their system. Or they put me on whole for up to 30 minutes which forces me to call back and and start the process over again. In addition, I've applied for Niavent forgiving loan based on me working for a non profit for well over 10 and when I followed up I didn't get much of a explanation from the rep Navient ... ... .Sorry you just don't qualify. Their custom service is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
I currently have a mortgage with Flagstar bank for a property in the USVI.  I was a victim of hurricane Maria. The property was hit very hard, I lost the door, roof and all patio 's and decks. The property was insured through XXXX XXXX. It took a year of battling to finally get them to pay the claim, I received the check which was payable to myself and Flagstar Bank. When reaching out to Flagstar concerning the funds, they refused to endorse the check indicating it was " mutually vested interest '' to only release portions of these funds. I would like it to be said that I have never been late on a mortgage payment, I did rebuild the property to somewhat safety standards and have spent almost {$100000.00} out of my own pocket to date and have still not gotten the insurance to pay for emergency expense, contents nor additional living. Flagstar to date has yet to contribute anything, not a contractor name, not a waiver of a  mortgage payment, nothing but resistance. 

We agreed via email that if I endorsed the check to them, they would release 50 % of the funds with 3 days of receipt. They received the endorsed check on XXXX-18 @ XXXX XXXX. 

The only correspondence has been an email indicating the funds will be released no later than XXXX-18 and an email to myself and a contractor I've never used asking for company tax information. 

There is nothing contractually stating they can not release the funds in full to allow for the property to be rebuilt. We agreed prior to my endorsement that the funds would be released within 3 days. I would also like it noted, the funds they are in possession of are more than I owe them for the contract. 

No one should have to go through a category 5 hurricane, loose their home and all property. No one should ever have to battle with their insurance company for over a year to get them to pay a legitimate claim. No one should have to battle with their mortgage company to get them to release funds that they have no entitlement to in the name of making money off the interest off of peoples demise. I have lived up more than my end of the contract and was expecting them to do the same. 

NO ONE should have to go through the stress this has caused in the name of money.

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 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a " Notice of Violation '' in XX/XX/2018 for allegedly running a red light in XXXX XXXX, Texas on XX/XX/2018. This notice indicated that I owed the " XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX  '' a balance of {$75.00}. On XX/XX/2018, I sent a cease and desist letter to this corporation located in XXXX, Ohio. I formally notified them that non-compliance would result in my filing complaints with both the Federal Trade Commission and the Texas Attorney General 's Office. I sent this letter via Certified Mail, and I received a receipt from the corporation that they received my letter. I have copies of all correspondence and receipts. 

On XX/XX/2018, I received a debt collection notice from TransWorld Systems , Inc. from XXXX, Ohio. This notice informed me that the account had been placed with them for collection, and the balance had increased to {$100.00}. I contacted the Consumer Financial Protection Bureau on XX/XX/18 and spoke to XXXX ( ID # XXXX ) to begin the formal complaint process, and I was referred to this website to continue my complaint. I plan to send an additional cease and desist letter via certified mail to TransWorld Systems , Inc. today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: FL

Complaint narrative:
I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
1. Have applied for loan modification XX/XX/XXXX and XX/XX/XXXX 2. The lender approved my loan, thy want us to payoff the Homeowners association lien. This lien is in the second position.

3. Modification of the loan does not affect the Lien position of Wells Fargo bank 4. We offered them few options a. Increase the loan amount by {$11000.00} to pay off the lien.

b. There is no requirement to pay off the lien 5. They at this time bent on foreclosing our property.

6. We are making the payments from the day we filed Chapter XXXX Bankruptcy.

7. Our main problems are we can not catch up with the arrears.

8. The arrears can be put into the modified loan amount.

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 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This number XXXX calls me 10-20 times daily. I have called them several times to find out why. They are collecting a debt for a person I do not know. I have told them that I am not that person.

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 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC
State: FL

Complaint narrative:
A company called Ditech Financial LLC will not stop sending me bills of balances that I've never had with this company and my credit is affected by this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have disputed the Collection from Diversified Collection agency w/ XXXX . XXXX has yet to provide me proof that the Collection agency has validated the debt to them. I called and spoke w/ Diversified Collection agency on Monday XX/XX/18 and was told they were waiting on the Original creditor ( XXXX ) to get back to them. I have been disputing this debt since XXXX. I was never told about this debt and Diversified collection agency has never notified me regarding the debt. THIS DEBT HAS NOT BEEN VALIDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Despite paying the minimum payment on my Citi Double Cash card, my monthly statements show increases in the balances subject to interest and interest applied over the last four months. No fees were incurred, and the APR was fixed on a promotion. If I am paying the minimum payment with a fixed APR and no fees, my balance subject to interest should be decreasing since the minimum payment should cover the most recent interest applied plus some amount toward the principal balance : XXXX balance : {$4800.00} Payoff with only minimum due : 19 years Minimum payment due : {$95.00} Paid : {$95.00} XXXX interest applied : {$41.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$88.00} Paid : {$89.00} XXXX interest applied : {$42.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$89.00} Paid : {$89.00} XXXX interest applied : {$46.00} XXXX balance : {$4600.00} Payoff with only minimum due : 19 years Minimum payment due : {$92.00} Citicard representatives could not explain to me why my balances subject to interest, interest charges, and minimum payments are increasing monthly if I am making minimum payments and the overall balance is decreasing.

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 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have tried consolodating my two loans with WF, they denied the application unless I come up with a co-signer. I then tried reducing my monthly payments, stating I was comfortable paying {$300.00} a month, more than half of what theyre originally asking. They came back and said they felt {$500.00} was a fair monthly payment. XX/XX/2018.

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 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc.
State: TX

Complaint narrative:
I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: MS

Complaint narrative:
I noticed a dismisses bankruptcy XXXX on my credit report that I did not file for via my subscription to Experian app. I submitted my first dispute to Experian on XX/XX/2018 ; on XX/XX/2018, I received notification that they alleged bankruptcy was verified. On XX/XX/2018, I submitted the second dispute and on XX/XX/2018, I recieved notification that it was verified. I recently disputed on XX/XX/2018 and on XX/XX/2018 again verified. I reached out to the bankruptcy court here and I was informed that they do not verify any information with credit bureaus or third party vendors. They also informed me that the PACER does not have access to full social security numbers. So, I know that they use several third party vendors. How is this information verified? Who verified this information? Who can testify to the accuracy of this information? Is it possible that the PACER   employee entered in information incorrectly. This is frustrating. My name is rather common. I know a few people with my exact name.

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 2018-09-27 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: TX

Complaint narrative:
my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my XXXX XXXX online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling XXXX XXXX and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report. 

I contacted XXXX XXXX again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

Equifax is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from equifax : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America randomly closed my account. Never sent an explanation. While trying to be added to my wifes account months later I was Told it was closed because of fraud. Theyve investigated and seen there were no prove to their allegations but I am Still receiving negative feedback when applying for bank accounts!

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 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I went to the ER for XXXX XXXX in XX/XX/2018. I was told that all I had to pay for about {$250.00} for my bills since I didn't have insurance. I payed and left. Weeks later I get a bill from the hospital which I couldn't pay because it was over {$1500.00}. I didn't know I would get billed like this because it wasn't discussed in the hospital or else I would've left. Time passes, and now apparently the bill was sent to collections. I didn't receive any mail that notified me about the dept collection or how I can resolve the issue. I did receive a lot of random calls for 800 numbers but I never answer them because I don't know who it is. Now when I checked my credit score report, it shows I have been placed in collections and that it won't go away for years. I called the company and asked that if it can be removed if I payed them. The lady told me no. I asked for an online link to pay for the dept and the link I received along with the account number also didn't work for me to get into my account.

Company response to consumer: Closed with explanation