vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
XX/XX/2017     Fair Collections and Out    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , MD.  XXXX  To Whom It  May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some  contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and   XXXX    ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for :   1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

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 2017-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My auto loan with Capital One was taken out in  XXXX    XXXX   as a refi. The original loan was with  XXXX .  XXXX  was paid off and for the last year I have made my payments on ti me to Capital One.    I was in an auto accident on  XXXX  and my car ended up being a total loss. My insurance company called to ask if I was the only title holder. Confused, I said that  no, Cap1 h as a lien on the car and is on the title. Well come to find out they are not. Because they never filed the title that  XXXX  sent them with the state of DE. I called  XXXX  to confirm it was sent and was informed it was sent the same week they received their payoff. I was told b y a Cap1 rep th at it was found " sitting in a drawer ''. So now the loan payoff from my insurance ( and the rest to me  ) is signif icantly delayed which is also delaying my ability to purchase another vehicle.   At best I feel that this is gross negligence and at worst it feels like it should be illegal. This is n't just a HUGE source of stress for a waste of my time - this simply should not be allowed to happen.    XXXX   XXXX   (  my insurance company ) has gone above and beyond to make sure the payout is expedited using just a copy of the lien release from  XXXX  and a payoff statement from  Cap1 despit e normal state guidelines. But they should n't have to. How many other customers have titles just " sitting in a drawer ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler Capital has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.      XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . I   always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to   XXXX   XXXX   to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in   XXXX   XXXX   XXXX  , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until   XXXX   XXXX   XXXX  , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland funding repeatedly calls from different numbers to my work number and I got fired tod ay because of this. I do not owe them any money. They keep accessing my credit report illegally. A year ago they sent me a letter after complaining to CFPB that they made a mistake, an error in their records placed a collection on my accounts. They said they would remove the collection, they did this, but they keep sending me letters now every two weeks and keep repeatedly calling my work number. This is illegal and I have retained an attorney to sue them. Tell them to stop contacting me and please file a class action and close them down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have not authorized  Ally Financial to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called Ally Financial o n  XXXX  after reviewing my credit report from   XXXX   and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation.   XXXX   has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into my Credit file and follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On  XXXX / XXXX /   2017  in the morning. A criminal was using my credit card to make various purchases. I had my physical card in my wallet at the time. I do n't know how the suspect received my credit card number. All transactions were resolved and card account was closed.

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 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was never late during the month it shows on the report. SEE ATTACHED PROOF OF PAYMENTS I HAVE SENT AND YOU HAVE CASHED AND CLEARED FUNDS FOR EACH MONTH THAT YOU ARE REPORTING THEM LATE ... THIS IS A VIOLATION OF FCRA AND MY CONSUMER RIGHTS. I HEREBY REQUETS THESE LATES TO BE DELETED. see attached proof of payments and chec ks cleared by PNC for  all the months they are reporting it being late.    PNC misapplied the payments on this loan which caused it to report late every month even thoug h all payments were made in a timely matter.    PNC sent 2 letters  now which are of automatically generated format of identical text stating they are reporting it correctly which is A FALSE STATEMENT AND VIOLATED FCRA RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Requested this to be disputed and has not been resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Previously on  XXXX   XXXX   XXXX   XXXX  made a claim tha t I have enrolled into a School that provide with a High School Diploma , named  XXXX   XXXX  as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for  one I d id not live in the address they said i live in witch I did not ever live in that address  XXXX   XXXX   XXXX   XXXX , TX  XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client,  XXXX   XXXX   XXXX  THE  XXXX   XXXX ,  XXXX   XXXX   XXXX , GA  XXXX . Account #  XXXX  Reference #  XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT  XXXX   XXXX  FOR {$1600.00}. Please I am tired of these allege  XXXX   XXXX  to stop harassing me about these debt. I send a certified letter to these  Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Escrow closed and paid off the existing mortgage using a current demand fro m Shellpoint Mortgage Servicing. Check  was sent via overnight delivery and confirmed received  by Shellpoint on   XXXX   XXXX ,   XXXX  . Escrow contacted Shellpoint on  XXXX / XXXX /  XXXX   to confirm account is satisfied and were told the payoff was short and they had no record of the demand that was provided to escrow h older. Shellpoint i s refusing to accept that this loan is paid in full and since the property is in foreclosure ( with a sale date of  XXXX / XXXX /  XXXX   ) will cause severe harm to current owners of the property secured by this mortgage if they do not accept the payoff sent to them in good faith according to their current demand for payoff.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: NY

Complaint narrative:
I am filing this complaint becau se   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manne r as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day o r two, bu t then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, tha t one of my payments had been listed as default of 30 or more days. I find it extrem ely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation