vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate.     the information is NOT in chronological order as i have requested.     the information does NOT contain a complete breakdown AND explanation of fees charged, etc.     do you really think i would continue to ask for something i have received?     i completely disagree with the balance your company is reporting that i owe.     please provide proof. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
XXXX   XXXX , i have received some documentation from aspire.     however, i have NOT received what i am requesting.     the information is NOT in chronological order.     the information does NOT contain a complete breakdown and explanation of fees charged, etc.     i find it interesting, that you suggest i contact companies that are either ones that aspire acquired and/or are no longer in business.     i have attempted repeatedly, to get assistance from the customer service department about my loan, all to zero avail.     i completely dispute the amount you are reporting or reported that i owe.

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 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
Never received letter notification of debt. I found out about the debt after receiving paperwork  from county  sherriff for lawsuit filed in  my county . Had communication with  XXXX  at  Eagle Accounts Group  and she did not disclose that she was a debt collector nor that it was an attempt to collect a debt. FDCPA violation  807 ( 11  ). I do have the conversation recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Had made reservation with  XXXX  for the amount {$700.00} on    X/XX/2017 .   Cancelled the reservation with  XXXX  withi n 24 hours  for the full refund as per their policy.     Did not receive refund from  XXXX  for this cancelled reservation.     Raised a dispute with  Citi bank who issued provision credit. Was sent a letter by CITI to provide details of dis pute which I did as per their request to complete in 30 days.     However on   XX/XX/XXXX   citi closed the investigation saying that they had not received the form form.     This is totally incorrect as the form was mailed t o Citi at their address CITIBANK  CUSTOMER SERVICE   XXXX   XXXX   XXXX   XXXX   XXXX   SD  XXXX .     I also have the copy of the form whcih i can provide in case they have not received.     I would like to have this dispute researched. The dispute id is  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 2017-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
All of these inquiries just showed up on my report

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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I   keep sending the proof and I 'm getting no where. In  XXXX   XXXX  sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from  XXXX   XXXX ,  XXXX . My  XXXX  payment was sent to  XXXX  and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech  showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from  XXXX   XXXX , now they say that was wrong, it 's  XXXX   XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated  XXXX / XXXX / XXXX , and it says my next payment is due  XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for  XXXX  were taken from my accounts and the first payment for  XXXX  was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from  XXXX / XXXX / XXXX , a copy of the threatening letter received on  XXXX / XXXX / XXXX , a copy of the fax sent to  Ditech  today,  XXXX / XXXX / XXXX  with the cancelled check and my bank statements showing both payments for  XXXX   XXXX  and one for  XXXX   XXXX , the other gets paid  XXXX / XXXX / XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: FL

Complaint narrative:
Equifax is reporting duplicate Hard Inquiries reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2 016, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g   XXXX  / XXXX /2016 and  XXXX / XXXX /20 16, I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reporting   XXXX / XXXX /2016 and  XXXX / XXXX /2016 , I have requested   XXXX   of these inquiries be removed as it is a duplicate entry.
  XXXX   XXXX   -  XXXX  hard Inquiries reportin g  XXXX / XXXX /2016 and  XXXX / XXXX /201 6, I have requested one of these inquiries be removed as it is a duplicate entry.
Equifax is reporting duplicate Collections reporting on my credit report, I have repeatedly disputed these duplicate entries to be removed with no change :   XXXX   XXXX   XXXX   -   XXXX   collection reporting   XXXX / XXXX /2016, I  have requested  XXXX  of these collections be removed as it is a duplicate collection.
  XXXX   XXXX   XXXX   XXXX   -   XXXX   collection reportin g  XXXX / XXXX /2016,  I have reque sted   XXXX   of  these collections be removed as it is a duplicate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
*Stell ar Recovery Inc ,    XXXX   XXXX   XXXX   XXXX   XXXX   . ,  XXXX  MT  XXXX  (  XXXX  )  XXXX  has violated the law by continuing collection activities with  XXXX   of a disputed  alleged debt while failing to respond to consumer 's right to validation within 30 days.     Stellar Recovery has altogether failed to notify consumer and violated her rights to receive notification as mandated by law of her right to dispute.     Proof of the se two v iolations made by Stellar Recovery are legitimized in the attached documentation.   **Complaint made to  XXXX  via CFPB #  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: GREAT LAKES
State: MI

Complaint narrative:
1. Wh en I make a payment it takes several days for it to process.    2.  By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted.    3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school.    4.  We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent  Transunion inquiry removal letter thru certified mail. After nothing was done I called and disputed them. Still nothing was resolved.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
I filed for Bankruptcy Protection on   XXXX   XXXX   XXXX   and also filed a Reaffirmation of Debt with Ford Motor Credit. During the Bankruptcy Period, Ford Motor Credit was Prohibited from collecting auto payments in lieu of my reaffirmation, enforced by   XXXX   XXXX   XXXX   XXXX  , that I would not include my car as part of the bankruptcy case. I held up my terms of the reaffirmation of debt agreement and was discharged from Bankruptcy protection on   XXXX   XXXX   XXXX  .

Therefore for:   XXXX   XXXX     XXXX   XXXX  
  XXXX   XXXX  
  XXXX   XXXX  
my account payments should either be in good standing or Not reported. However, Ford Motor Credit refuses to update my account and all   XXXX   credit bureaus refuse to correct my credit report. 
It shows:   XXXX   XXXX  : 30 days late   XXXX   XXXX  :  OK, which is odd because I did not make a payment and in   XXXX   XXXX   I was apparently 30 days late
  XXXX   XXXX  :    30 Days late
  XXXX   XXXX  :  Back to OK, even though I did not make a payment and was apparently 30 Days late in   XXXX   XXXX  .

This results in my credit score being lowered and I have been turned down for credit on numerous occasions, citing information in my credit report from all  XXXX  credit bureaus.

In particular, I was turned down for an important car loan from my own   XXXX   XXXX   XXXX   XXXX  , due to my payment history with Ford Motor Credit. 

Please help correct my Ford Motor Credit Account with all  XXXX  bureaus.
FORD MOTOR CREDIT   XXXX    XXXX   XXXX  
 XXXX , NE  XXXX 
  XXXX   XXXX  
Date Opened:	 XX/XX/XXXX 
Responsibility:	Individual Account
Account Type:	Installment Account
Loan Type:	AUTOMOBILE
Balance:	  XXXX   Date Updated: XX/XX/XXXX 
Payment Received: XXXX 
Last Payment Made:	 XX/XX/XXXX 
High Balance: XXXX 
Pay Status:	Current; Paid or Paying as Agreed
Terms: XXXX  per month, paid Monthly for 72 months
Date Closed: XX/XX/XXXX 
>Maximum Delinquency of 30 days in  XX/XX/XXXX  and in   XXXX  <
Remarks: REAFFIRMATION OF DEBT; DISP INVG COMP-RPT BY GRNTR; CLOSED

 
 XX/XX/XXXX    XXXX     XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX    XXXX     XXXX     XXXX     XXXX  
Rating
OK
OK
OK
OK
OK
30
30
OK
OK
OK   XXXX  
 XX/XX/XXXX 
  XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX 
  XXXX    XX/XX/XXXX    XXXX     XXXX  
Rating
OK
OK
OK
OK
30
OK
30
OK
OK
OK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing a compliant agains t Automobile Acceptance  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  ), because I have settled in full a title loan with this company and their attorney  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  (  XXXX   XXXX   XXXX   XXXX , GA  XXXX  ). on   XX/XX/XXXX  f or account  XXXX  in the amount of  XXXX . Automobile Acceptance has reported and continue to report to credit bureaus   XXXX     &  XXXX  that I have an account  XXXX  as a single pay loan, duration term 1 month, last payment   XX/XX/XXXX , an d payment  XXXX  a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had  XXXX  was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reserved a room at  XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / 17  to be checked in at  XXXX / XXXX / 17  for the amount of {$220.00} through  XXXX , all because of the good price and the FREE CANCELATION note and I was supposed not to get charged until I arrive to the place. Soon after they sent me an email with their hidden policies, where they stated that for me to cancel it would have to be 14 days prior to the booking date. As you may understand I had gotten the special with the FREE CANCELATION note due to the fact that I may have to cancel if anything comes up with work. I tried to do so and the  XXXX    XXXX    XXXX  kept bombarding me with their policies and that I should had called  XXXX  says prior to the reservation, mind you it was 1 day before the actual check in date.     I politely hanged up the phone and resorted to call my financial services, in this case Chase Credit Card services. I explanied my issue and they did resorted to help with a dispute. However today on  XXXX / XXXX / 17  I received a call from such services and was told that the merchant had fought back with their policies, that the only way for me to win the dispute would be by providing them with a written notice that I  may  have received from  XXXX    XXXX    XXXX  saying that they will be refunding the money. I obviously do not have such notice because this is the reason to begin with why I made the dispute.     In conclusion they are just telling me that I have to give my money to this devilish resort for no service provided at all. I would not have a problem of maybe they offered me a free pass for another date but it is not the case. This is modern theft and I feel rob, Please help me.      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
In XXXX 2017 I sent a letter that stated after reviewing my credit report I notice incorrected information that I was unaware of, I asked that AR Resources Inc. send me the name of the hospital/medical provider and a detailed breakdown of the fees I owe as well as a copy of my signature with the provider of service to release my medical information to AR Resource Inc I received a response from AR Resources inc with a detailed bill but nothing with my signature from the provider of service to release medial information also nothing with my signature that this bill belongs to me, withholding this information is a violation of the FDCPA as AR Resources is still reporting this bill from the collection agency ( AR Resources Inc ) Thank you below is the letter that I sent to AR Resources Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. and all that I received back was a itemized bill

Company response to consumer: Closed with explanation