vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: GA

Complaint narrative:
AESXXXX student loan is reporting I open as XXXX they are reporting this information to XXXX XXXX, and XXXX. I disputed with all three credit bureaus in writing ( three times ) My demand is to remove the debt off my credit reports it has been on my report for the last 10 years. I have called AESXXXX as recent as XXXX asking why is it still reporting. They explained it was not still reporting. They informed the credit bureau on XXXX that the information was paid in full and to be removed after seven years. 

I have expressed my concerns to all three credit bureaus about their reporting is a direct violation of the Fair Credit Consumer Protection law. All debt by law should be removed within Seven Years. They refused to remove the debt their explanation is that it is correct information under the Consumer Fair Reporting Act. 

This is my last attempt before taking all three credit bureaus to court. I would like for you to reach out and advise AESXXXX is a violation of Federal law. I am also going to sue for damages with lost of job opportunities. I have sent at least six letter with proof of the information being 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: U.S. BANCORP
State: CA

Complaint narrative:
I refinanced my HELOC from U.S Bank, and after it closed, they updated my payment history of it and state there was a missing payment. 

U.S Bank states that I missed a payment in XX/XX/XXXX and even though the account never went past 30 days, I was paying a month behind all these months up until closing the account in XX/XX/XXXX. 

Problem is, that I actually called in XXXX and asked why I was getting a late payment fee every month, and the banker did NOT state I was paying for the prior month every time. I went ahead and paid the total that the APPLICATION told me was due at the time and she simply WAIVED the late fees of the previous months and I assumed she corrected whatever was causing those late fees. 

If I would have been told I was behind one payment then, I would have done a double payment to make it current. 

To top it off, their app NEVER stated any " past due balance '', and since XXXX, I was making my payment assuming it was covering THE CURRENT month. 

Now after closing the HELOC, this MISSED PAYMENT has affected my credit score.

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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This account is fraudulent activity and this account is not mine I need this account remove ASAP if this can not be resolved I will have to use legal actions

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
My name is XXXX XXXX last four digits my social security number is XXXX The law office of relin and Goldstein and crane located at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme Court County of XXXX XXXXthe index number is XXXX Their trying to sue me for a credit card account thats not mine the company is XXXX XXXX it has a balance of XXXX dollars the debt is 15 years old. XXXX XXXX search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney relin Goldstein and crane for harassing me and my family back in XXXX  with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe XXXX XXXX money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to XXXX XXXX that if I don't pay this bill. Which he's doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: VA

Complaint narrative:
This account is fraudulent activity I need this account remove ASAP if this doesn't get resolved I will have to use legal actions

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
The attached letters, which are debt validation forms, were sent and received via certified mail to National Credit Systems. The company after 30 days has still not responded and failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: IL

Complaint narrative:
After requesting an investigation to remove and revise false/outdated information. Checkr replied they would indeed revise my information regarding my driving license status, stating my license were valid. However, they never revise nor updated my info. They are all talk and no action. Terrible company with reflecting ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
In 2016, I was in a XXXX XXXX XXXX, due to my mental health issues being exasperated by my mother in law being diagnosed with XXXX XXXX XXXX, as well as my father having a XXXX. My XXXX XXXX  became uncontrollable. During that time, I would rapidly apply for several bad loans, along with maxing out my credit cards. Despite my poor credit situation and massive debt, I apply for a used XXXX XXXX valued at over {$24000.00}. I knew that my chances of being approved were slim to none, but to my surprise, I was advised that one lender did approve me ; it was Ally Bank. I made my way down to the dealership, and when I submitted my income statements, along with an offer to trade in my car and put {$1000.00} down, the Ally rep stated she could not approve the loan, due to my income and down payment. The sales rep continued to submit my credit information to other lenders while pressuring the Ally rep to approve my application. The terms of the loan required that I make payments of {$600.00} a month on the loan. The APR on the loan was astronomical, and over {$200.00} of my monthly payments would go to interest along. When my income of less than {$40000.00} was factored in along with my debt current debt, and cost of living, every other financial institution knew that approving me would end badly, but not Ally. The two sales reps were able to pressure the Ally underwriter to approve me by convincing me to come up with another {$1000.00} for the downpayment. I had to take out a payday loan just to get the money which only made the situation worse. I would call Ally several times to try and have the loan payments reduced, only to be told that I was not eligible and to call back after a year. The car would be repossessed in less than a year, and now I'm left with a {$12000.00} debt and debt collection threats Because of the dealership, and Ally 's decision on that day, I would end up falling into financial ruin, and now facing bankruptcy. Ally bank should have known that my take-home income of {$1000.00} every two weeks would not have been enough to pay a {$600.00} car payment a month. I even told the sales reps that I was looking to have a car payment of about {$300.00}. They proceeded to add additional " warranties '' that increased my loan amount as well, and now Ally wants to sue me for a mistake they made that ruined my life. Despite being found guilty of taking advantage of people of XXXX with predatory loans. Ally continues to practice the same. Please take action to prevent this from happening to others.

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 2021-02-12 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : AMERICAN EXPRESS Accounts # XXXX I am writing you to inform you that under the F.C.R.A Law American Express failed to notify me at least 5 business days before they reported negative items/late payments on my credit reports for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By F.C.R.A law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. American Express failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit reports. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and these negative items/ late payments must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the months they reported these negative items. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balances from those specific months and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance!! these negative items/ late payments must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Nelnet, Inc.
State: GA

Complaint narrative:
I made telephone contact ( XXXX ) with DeptED/Nelnet to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that Nelnet does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX XXXX, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/Nelnet. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of Education/NELNET they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I reviewed my updated credit report and I noticed that there were several account and incorrect personal information reporting that does not belong to me. Please assist me in getting these items removed from my credit file. 

The following address information is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine : XXXX XXXX XXXXXXXX - Bal : {$4000.00} XXXX XXXX XXXXXXXX - Bal : {$2500.00} XXXX Unknown Inquiries : XXXX XXXX 13 TIMES

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 2021-02-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: TX

Complaint narrative:
Company : General Revenue Corp Collection reported on XX/XX/2019 Amount {$430.00} I applied to go to school at the XXXX  XXXX Texas and registered for one class, however I ended up attending XXXX  XXXX & XXXX XXXX XXXX. I was told that I was charged to withdraw from the class since I never dropped the class. I do not have to pay for school out of pocket because the VA pays my school. Whenever I did not pay for classes they were automatically dropped. XXXX  XXXX Texas however did not drop me and I was withdrawn and then charged and I did not know about the debt. When I was made aware about the debt that was filed on my credit report I paid for it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
In late XX/XX/2020, while struggling in the mist of the pandemic due to loss of hours at my job and some unexpected costs, a disgusting company called blue trust loans preyed upon my desperation by deliberately misleading me into and and extremely high interest rate loan. On XX/XX/2020 I was approved of a loan from them in a time of need under the impression that the XXXX dollar loan that I was approved for would be paid off with interest with 6 payments of XXXX dollars on top of the initial XXXX dollar fee. Now I have made all those payments, and come to find out to my shock and horror I still owe XXXX. In fact if I continue to pay at the same rate my total payment will amount to over XXXX for a XXXX dollar loan. If I knew this was the case under no circumstances would I have taken this loan even in that moment or desperation. Blue trust loans is a company that deliberately misleads people in order to bind them to an extremely high interest loan and they should be held accountable. The only thing they have offered me is to pay the remaining XXXX upfront to avoid further fees/principal but I can not afford that and even if I could I would still ultimately be paying far more than I initially expected. Due to what they have done I feel violated and even more financially stressed than even when I received the initial loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Two transactions in the amount of {$360.00} as well as one credit in the amount of {$360.00} show on my old chase account. There should be two transactions and two credits. The second credit shouldve occurred days after the first. Chase filed a dispute on ONE of the transactions as I stated the other had been refunded. They came back alleging the refund was for the one disputed transaction and refused to acknowledge the 2nd charge on that date. I asked for another dispute to be filed referencing the first claim agreeing I already received a refund for one charge but was looking forward the second and subsequent refund for the duplicate charge. Chase has refused on atleast 5-10 occasions today to open a dispute on the other charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Good Evening, I am having a major issue once again with Shellpoint Mortgage Lending located in XXXX, SC. This is my second complaint through this Bureau. 

In XXXX of XXXX Shellpoint reported my payment as late. After a lengthy dispute the late payment was overturned, and that XXXX a certified letter was issued to me by Shellpoint removing the late payment from my Credit. It was also supposedly reported to all Credit Bureaus. I had to file and additional dispute in XXXX of XXXX, because the late payment was never updated with XXXX. This issue was resolved after filing a complaint with Consumer Finance. 

After all of that, the property in question was sold and the Loan was paid in full on XXXX of XXXX. Im currently in the process of building a new home, which is set to close on XX/XX/XXXX of XXXX. In XXXX of XXXX I had to file a dispute with XXXX, because Shellpoint had not updated my Mortgage or Payoff Since XXXX of XXXX. This issue was resolved at the beginning of XX/XX/XXXX, which leads to the problem at hand. 

On XX/XX/XXXX Shellpoint updated my payoff information with XXXX. They also added the late payment from XXXX of XXXX that had already been removed. I have taken a major hit to my Credit before the completion of my new construction home prior to closing. I may lose my Home do to the incompetence, poor costumer service and illegal activity of Shellpoint Mortgage Servicing! You cant even escalate your call past an hourly customer service representative. I have never experienced this type of disregard for a person in my entire life. 

If my Family loses our New Home do to Shellpoint Mortgage Servicing. I will definitely sue them to fullest extent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX last four digits my social security number is XXXX The law office of XXXX XXXX  XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme XXXX XXXX of XXXX .the index number is XXXX Their trying to sue me for a credit card account thats not mine the company is American express it has a balance of XXXX dollars the debt is 15 years old. America express search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney XXXX XXXX and crane for harassing me and my family back in 2018 with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe America express money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to America express that if I don't pay this bill. Which he's doing is illegal.

Company response to consumer: Closed with explanation