vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They keep telling me I co signed but I never co signed, I never signed a promised note.

I am also on SS. I haven't spoke with my daughter in 7 years ( her choice ) and she won't tell me where she is. My son said he would like to have a settlement with Navient ( {$5000.00} ) as long as it doesn't effect my credit.

This student loan was for one semester that she never completed.

I have asked Navient to take me off the creditor list but I got no reply.

Again, my son said he would settle this loan for {$5000.00} as long as it doesn't effect my or his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
THey have now called me 6 times. i have reported a complaint now 4 times on this company. at this point i am hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo has been saying for the last 2 years that I am missing a payment. I have contacted them every month and I hear the same thing. I sent them 7 years of dates and amounts of my payments. There aren't any missing. I keep hearing the same thing from everyone I speak to. They said I need to find it since they can't. I told them I can't find a missing pymt if it not missing. I have a case open XXXX XXXX XXXX ( not sure of the spelling. ) She has told me every week that they can't help me unless I tell them when the missing payment is. I am so frustrated with Wells Fargo right now. I keep getting letters saying I need to pay or they will take action. I seriously don't know what to do. I told her she needed to credit my mortgage {$670.00}. She said she can't do that. 
Please help They also tacked on fees for {$2600.00}

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
incorrect phone number reporting on my credit.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
incorrect phone number reporting on my credit.

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 2018-04-23 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX  credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX  and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX  to back up my claim. Acima was NO help at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: OH

Complaint narrative:
I got a call and i answered hello? lady on the phone said can i speak to XXXX XXXX. I said who is this and she said this is XXXX XXXX XXXX. I said uh who wants to know and she said is this XXXX and I said I don't know and she said is this the XXXX who was born onXX/XX/XXXX 1990? I let her know she gave out my personal information and that she was violating the debt collecting laws.

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 2018-04-23 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: FL

Complaint narrative:
I have sent Transunion Communication on behalf of a collections account that is in dispute on XX/XX/2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. 

I have sent them multiple communications and have yet to receive anything from them, however Transunion seems to have been able to verify this information. 

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. 

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Have called over 20 times. The debt is well past the statute of limitations. I have told them many times to place me on their do not call list and they have told me that they refuse to do so. They have threatened to sue on the phone, and then they sent me a letter that they legally can not sue because of the age of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? 
On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I already submitted a complaint and received information from the executive office. It was updated but now this month is showing a charge off and a balance and I have a paid in full letter from Chase and the back up from my original CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.

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 monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO

Complaint narrative:
On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I  sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.

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 monetary relief
Consumer complaint received 2018-04-23 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Radius Global Solutions LLC
State: FM

Complaint narrative:
1. Private Student Loan originated - XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXX with verification of enrollment. ( I have proof of documentation as well as correspondence from XXXX of eligibility of deferment ). 
4. Was told to make 3 payments of specified amount by XXXX XXXX ( XXXX ) to make loan current through beginning of school Fall XXXX semester beginning XX/XX/XXXX with registration XX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. ) XX/XX/XXXX Payment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXX Payment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from XXXX except for a " this is not a bill '' statement received on XX/XX/XXXX. 

6. I was told on XX/XX/XXXX, by representative to resend documentation of deferment ( I have email proof as well who I spoke with ). 

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX. 

8. Called XXXX, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent. 

9. Currently, 4 law suits against XXXX for this exact reason. 

10. Please help as it is preventing me from getting financial aide to complete my education.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: DC

Complaint narrative:
ERC on behalf of XXXX/XXXX keeps contacting me claiming that I owe XXXX {$440.00}. I stated on numerous occasions that Ive never had XXXX and for them to stop contacting regarding this matter because the bill doesnt belong to me. 

Ive this disputed this matter before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I got a lease from XXXX XXXX XXXX back in the middle of XX/XX/XXXX. Everything seemed great on their end but, then I noticed in early XX/XX/XXXX that they made 2 unauthorized hard inquires on my credit report. 

Starting in early-mid XX/XX/XXXX I called and spoke with numerous Managers and finace managers at the XXXX XXXX XXXX XXXX dealership. By the way it was very hard just to get ahold of them on the phone. I started with leaving multiple messages and voicemails to the people in charge. Finally I was able to get ahold of a couple of different managers but, they stated that they either could not do anything or that they were going to check and see if there is something that they could do. I gave them a sufficient amount of time to get back to me and provided them with my personal cell phone and email address but, they never called me back. I tried calling them and getting ahold of them again but, I was unsuccessful in getting any sort of resolution this way ( all of this went on for about 5-6 weeks ). 

In XX/XX/XXXX I consulted a lawyer and he helped me put together a formal letter ( attached below ) as the next step to try and find a solution. I stated my complaint and asked them to remove these unauthorized credit inquires from all 3 credit bureaus. Yet, I never even received a response from them after waiting months ). 

About 90 to 120 days later ( either in XX/XX/XXXX or at the very latest XX/XX/XXXX I called the coroprate number for XXXX. I spoke with a customer service representative and a supervisor and they said they would get back to me with a resolution within 1-2 weeks. They never called me back within that time-frame so I called them back around XX/XX/XXXX and they stated that it could take 30 days to resolve. 

Now it has been almost 60 days since Ive conatcted them and I have not recieved any calls or anything close to a resolution for everything. So, at this point I feel as though Ive given XXXX more than enough time and I feel that Ive done all I can in dealing with XXXX myself and Im now hoping thag cfpb can resolve this matter for me.

Company response to consumer: Closed with explanation