vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: NRA Group, LLC
State: GA

Complaint narrative:
XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this 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 2019-01-30 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: GA

Complaint narrative:
XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: MO

Complaint narrative:
In XX/XX/XXXX, I was told by my loan holders that I could apply for loan forgiveness if I consolidated my loans. I asked who I need to consolidate them with in order to get the loan forgiveness and was told there are several loan companies and the one they recommended was XXXX. 
Once I consolidated to XXXX, I asked how to get student loan forgiveness and was told my only option was that my loan would be forgiven after 25 years in repayment but I could apply for income-based repayment ( IBR ). 
I applied and was approved for IBR and was fine with 25 years because the amount that I needed to repay was something I could NEVER afford. 
I was in school for XXXX  XXXX XXXX but in my last year of school was given a XXXX  and not allowed to return to school. My appeal was denied. I then had the loan of a XXXX  with the income of a XXXX. 
Because so many things bad happened, I came to realize 25 years was better than never having the loans off my back. 
THEN, I heard about public service loan forgiveness so I had my employer send in a verification of employment and was told I did not qualify because my loans needed consolidated. I told them that I had my loans consolidated but then was told the loans needed to be with DirectLoans. 
I IMMEDIATELY sent in my application to consolidate with Direct Loans and am now on the right track. 
BUT, my complaint is the numerous times that I was misdirected by the loan companies. In particular, I had a time period from XX/XX/XXXX-XX/XX/XXXX where XXXX told me I was in the loan forgiveness program and in fact, I was not! 
It was not until I read an article that OTHERS were also DUPED that I realized this is happening to more people than just me. 
It must be understood that I went through a traumatic experience when I was kicked out of XXXX XXXX. I was preyed upon by these loan companies because my loans were HUGE AMOUNTS!! 
I now owe over {$340000.00} in loans that are held by XX/XX/XXXX ( {$320000.00} ) and XX/XX/XXXX ( {$16000.00} private loans ). 
I have written several politicians with no response. I've even written the President of the United States of America. 
I need help and will give you all information you need! I will attache the documents I have readily available. 
I trust you are the one that can direct me to a solution! 
* ( Please note : I attempted to acquire previous loan information from XXXX, XXXX XXXX, XXXX, NelNet, XXXX XXXX XXXX, and all other lenders that my loans were transfered between, but was told there were no records under my social security number. ) Thank you for your time! 
Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I put in a request to lower my interest rate on my house. I have been with this morgage company for years and they always say my credit scores want high enough, then i got my credit score at the amount the company ask, then the next step was had to much debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 12 months. I can not even get a response. I am on hold till they obey the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: OH

Complaint narrative:
DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I started a mortgage with XXXX XXXX XXXX on XXXX. 

XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The servicer at the time was XXXX. XXXX signs assignment on XXXX. 

So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX? 
I believe we have fraud and disgorgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
i am seeking assistance for help with communication with XXXX. After recieving my consumer report- I have inturn sent a certified letter back to them disputing a few items on my report. 

They wrote me back saying, there record is factual and accurate. I deserve VERIFICATION, HOW,, did you verify this information, They are reporting 2 XXXX Accounts with balances of {$140.00} AND {$120.00}, I submitted proof that these items were PAID, and the line of credit account is actually reporting positive on my credit bureau account with Nothing owing. 

They also Have about 10 address listed for me, I sent a notorized letter as well with the same correspondence, showing them my correct, ONE AND ONLY address. 

I would like to know what method they used to verify these accounts and these addresses deleted and updated with my new one thank you so very much, for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
I have been disputing this account since I first received notice from Convergent Outsourcing. No matter what I request ( validation of the debt, proof of amount, proof they are authorized to collect debt and proof they can collect debts in Rhode Island ) they simply respond with a form letter with a pen mark checking off this debt is valid. They are refusing to offer any supporting documents. 

I am not sure they are authorized to collect this debt. I would also like to see the contract I signed to see whether they are abiding by the terms of said contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Credit Card with Citibank and every time I try to use it at a new gas station the card is declined and frozen with a fraud alert. Then five minutes  later i get a call to verify the transaction. This does not help when I am at the pump trying to get gas. I have called citi several times and no one I speak with understands or cares about the issue. Most recently it happened at XXXX XXXX  on XX/XX/XXXX and numerous calls to customer service did not resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance
State: SC

Complaint narrative:
I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX  account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I requested Wells Fargo to remove PMI when my mortgage reached 80 % LTV in the summer of XX/XX/XXXX. Wells Fargo declined saying that while I met all other requirements, I had to meet a 78 % LTV, not 80 %. When I met 78 % LTV in XX/XX/XXXX I  asked Wells Fargo once again to remove the PMI. They explained I need to pay another {$5000.00}. I asked that they explain the fee in writing. I purchased my house at {$150000.00} and my loan is now at {$110000.00}, I am within the 78

% LTV and I've never heard of a PMI waver fee. Wells Fargo keeps asking
for more time to review. I asked they quit stalling, because I am over paying while they stall. Wells Fargo responded that they needed 3 weeks and would have an answer for me by XX/XX/XXXX. So I held my XX/XX/XXXX payment and waited. 

It's now XX/XX/XXXX. I still haven't had the PMI removed or received an explanation as to why it hasn't been removed. I've already made one {$110.00} over-payment and will have to make another one on XX/XX/XXXX since Wells Fargo is purposefully dragging their feet. I can't pay late while I wait for their answer because it will give Wells Fargo grounds to deny PMI removal. 

Can you help me get an answer from Wells Fargo please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
A bill for {$57.00} was sent to AMSHER COLLECTIONS for a medical debt that I wasn't aware of at the time. 
I paid the amount to AMSHER COLLECTIONS for Account XXXX over the phone in XX/XX/2018. I have proof from my bank that the amount was paid, and I sent them an email stating it had been paid. However, they reported it onto my credit as a debt in collections. It is on my credit report currently, and should not have been reported as it has been paid. 
It is showing as a debit on my Bank Account on XX/XX/2018 going to AMSHER that was put in on XX/XX/2018. 
However, they've reported it on my credit report as an unpaid collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dyck-O'Neal, Inc.
State: TN

Complaint narrative:
I received a letter on my front door from a company who claims they a second lien on my house. I am unaware of this company and need to know if they are legit. When i first purchase my home i had two mortgages but later to my understanding i refinanced and combined the debt. This company by the name of Dyck Oneal claims they bought the account from the second lien holder. They never sent me any packet info neither have i signed any paperwork within the last ten years. Now they have sent a payment book and threaten to report to the credit bureau if i don't pay. I would like to know can they open an account that is over ten years old and do they have a lien on my property? They are demanding payments from me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ. 
( XXXX ) XXXX XXXX Mortgage Company in Question : Ditech Servicing Account # XXXX To Whom ever it may Concern : I being Mrs . XXXX XXXX would like to File a Formal Complaint against the name Mortgage Company above Ditech. 
Accordingly, On XX/XX/XXXX I initiated a Bankrupsy that did not include my home. ( will explain Further on ) It pertained Primarily to Credit Cards. Accordingly, I was with XXXX XXXX XXXX at the time Nevertheless, Both Mortgage Companies have appeared to have Presented a violation to this Consumer. 
The situation became Damaging when XXXX XXXX  for no apparent reason changed my Mortgage to a Servicing Company ( Ditech ) without warning and without my Consent. Additionally, I was never Provided any Documents to Sign or review. We were never late or in Default with XXXX XXXX  yet, with Ditech I had to do a Modification. Such presented itself to be atleast {$100000.00} difference between the ( 2 ) loans .Nevertheless, after many years have Passed it was recently Discovered that my Mortgage is not being Reported to The Credit Bureaus. Our Credit is Important to us and we would like to see our Tradeline for Ditech on our Report .Although, many feel that they dont have to Report The FCRA provides Consumers with the prospect of what is Fair and Accurate .Otherwise the Mortgage Company can do as they feel and charge excessive amounts of money to the Consumer and there would be no verification .And the Consumer would be left to fend for themselves. 
As Previously stated I did a Bankrupsy in XXXX I was not with Ditech at the Time and my Bankrupsy was only Cards notmy Home. When I phoned Ditech on XX/XX/XXXX as to why they were not reporting the Mortgage.They Stated it was because of the Bankrupsy and I would need a Bankrupsy Law to reestablish a loan with them we are still making the normal Payments and the has never been an agreement to Stop making payments previously or now.The point is that we want to be treated Fairly .And we need the Mortgage Company to Comply according to Federal standards and to live up to their obligation to respect The Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I lost my debit card in XXXX, next day a supervisor from XXXX  call me saying that the found the card. 

Next day I found out tree charges to my account on that I didnt authorize. I called the bank and star a dispute process a week after this they said I authorized the transactions and that they will charge me for them. 

They also stated that if I have a problem I should contact the merchant myself The charges are : XXXX XXXX XXXX {$40.00} XXXX XXXX {$130.00} XXXX XXXX {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America believe I owe them a fee and I dont. So does XXXX and XXXX XXXX as well as XXXX   XXXX.

Have my money give back to me as well as the debt wiped clean. I dont want to be associated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I believe a XXXX XXXX credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.

Company response to consumer: Closed with non-monetary relief