vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 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: NC

Complaint narrative:
Nelnet keeps sending me increasingly aggressive and threatening emails. The last of them, on Thursday, XX/XX/XXXX, states : " [ ... ] continued delinquent reporting, to the national credit reporting agencies. Legal action, including property liens and wage garnishment. Default and the obligation to repay your student loans ( sic ) in full to a collection agency. '' Nelnet has altered, doctored, manipulated my loan repayment plan. They suggest that I am behind in payments after having first placed my loan in forbearance of which I did not request. Thus, instead of the income contingent repayment plan, which I would not be required to make payments, forbearance set me behind in number of years remaining before my loans can be forgiven. Additionally, Nelnet has an extraordinary amount of documentation that I have been sending to them for many years. Nelnet has my official social security yearly forms without interruption at least from XX/XX/XXXX and many others documents, such as the ones proven I 'm receiving EBT ( " food stamps '' ). Nelnet knows as well that my monthly Social Security check is for {$260.00} and they know that my yearly income they have the forms showing it, for I sent them to Nelnet with religious punctuality is less than {$4000.00}. Which means, unequivocally, that I 'm living much lower than the Federal " poverty line ''. Nelnet knows as well that I live in a XXXX XXXX XXXX XXXX for senior citizens with very low income. Nelnet knows also that I 'm XXXX years old, and, therefore they are harassing and abusing an elderly person. Is Nelnet going too garnish the {$260.00} dollar a month of my Social Security ; is Nelnet going to put a " lien '' on my food stamps or perhaps on monthly S.S check?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit reporting agency Transunion is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir/Madam, Please consider my English is not good, before start. I was a client of Bank of America for the past about three years. I 've been In XXXX since XX/XX/XXXX, and I am not going to return to the US. So, I called XX/XX/XXXX, to close my account ( XXXX ), and XXXX? told me that she would send a check of my money in the account {$21000.00}. However, I have not received a check, and I called and talked with XXXX? XX/XX/XXXX. I called and talked with XXXX? on XX/XX/XXXX. I finally received a check, however, I could not cash the check because it was not passed through the customs of XXXX. So, I talked on XX/XX/XXXX with XXXX?. I asked the check should be sent via XXXX or XXXX which should be marked on the envelope enclosing a check to pass the customs. XXXX accept my asking that she would handle that should be sent via XXXX. To confirm the process, the call was transferred to a XXXX translator of the XXXX?, she was so rude. She refused to send the check via XXXX and hung up my call. I had to call again and talked with a manager, XXXX, she confirmed to send it via XXXX, and she said that the case would be closed with the numbere XXXX. I also got a mail saying the case was closed with the number. Unfortunately, I have not yet received the check via XXXX. It may not a big money to the company, but it is a big money to me now. Whenever I call to BOA customer 's service, It is very hard to talk with because my account has already been closed. So, whenever the automatic calling system asks my account number it is not working with my old closed account number. Please review my case and handle the case as soon as possible.

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 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
<P/>
My roommate at the time had already left, and signed a paper breaking the lease.
<P/>
I proceeded to move out and believed the situation to be done.
<P/>
Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
<P/>
I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.

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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Perfection Collection
State: VA

Complaint narrative:
This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
<P/>
I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Over  one year ago I contacted the mortgage company to find out what we had to do to get the PMI removed from our mortgage. They would not even give me any information and said they would mail me the information I needed. They sent out refinancing applications. I do not want to refinance the mortgage I just want to stop paying PMI. I have over 35 % equity in my home and my PMI should have been removed after having only 20 % equity. I called them again 2 weeks ago and  they still said I can not talk to anyone about this issue and they will mail me information. To this day, I have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agency  XXXX  is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu

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 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
This is a response to the rebuttal that I received from BBT Senior Vice President, XXXX XXXX XXXX Complaint Resolution Manager. I had previously disputed the unfair and deceptive business practices of BBT. XXXX XXXX said they uploaded the document of Notice of Incompleteness Letter, was uploaded to your online portal on XXXX XXXX 2017, at XXXX. I logged in many times after that date and did not see this letter uploaded to my online portal. Also when they so called uploaded the document what was done to notify me of the letter being uploaded to the online portal? I have emails that documents were available for my appraisal that were sent to my email from XXXX XXXX that were sent to my email address but those are the only notification. My loan officer XXXX XXXX was not even made aware of this notice of incompleteness letter. She extended my rate lock to XX/XX/XXXX and I have uploaded that form in a previous email. I was told if I had any concerns from the letter XXXX XXXX sent to call XXXX XXXX at XXXX. Her office hours are Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). I called and left a message and no response. All of the information BBT has supplied to me does not make sense. If they had the concerns why not call and discuss, I spoke with XXXX XXXX on the phone on X/XX/17 after I had retained an attorney to clear the title issue. I will pursue legal action now. I want to be reimbursed all cost incurred from this failed loan attempt starting with Appraisal fees, credit report fees and difference in interest rate and finance charges. BBT has done nothing but provide false information to CFPB. These documents were not uploaded to the online portal or I would have seen them. I pretty much was logging in everyday. BBT IT systems may not be compliant with current regulation since they say they were uploaded but I could not see them. This process has been a nightmare. I keep filing these disputes since the CFPB looks at trends. Also, the day they canceled my loan all my online documents were no longer visible. This in itself is deceptive since it is information that I have provided and contracts with BBT. Is this a normal business practice or is BBT Mortgage trying to cover something up? I believe BBT was trying to get out of financing a 15 year fixed mortgage at 2.875 fixed for 15 years since the rates have gone up after the election and I could not get that rate anywhere else.

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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
from my previous case from bank of America ref #  XXXX . all what bank of America did was send the same paper work again for me to fill out. I have done this twice and sent it back to them with all documents requested. they keep sending me the same exact thing over and over again. they never returned calls and they person you get on the phone does n't even know what is going on with your case or how to explain i t.

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 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have requested the inquiries listed below be deleted the company ( XXXX agrees that inquiries are invalid and stated they would sent request to all XXXX credit buereas. XXXX has removed but transunion is refusing stating i have to authorize them to delete. Well here is my authorization please remove inaccurate information immediatley. <P/><P/>XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
2 Months ago, I checked my credit and found that someone at   XXXX   XXXX   XXXX  ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,   XXXX   XXXX   and SS # to apply for a   XXXX   XXXX   credit card. I immediatly, contacted   XXXX   XXXX   and denied the application was mine and requested a freeze on the fraudulent application. my  credit score wa s effected.

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 2017-06-06 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to anyone unless I 'm calling to make a payment. All my calls have been forwarded to voicemails yet I 've received several calls from them to make payment arrangements they already set up like they know my budget and I 'm going through a hardship. Theyre also demanding a lumpsum settlement that I do n't have to pay at this time but wanted me to pay the settlement amount of {$4200.00}. I no longer have the truck. The interest rate they had my car priced at was an illegal rate 23.9 %. Although I signed the contract I was n't aware of this at the time or that they would tamper with and disable my vehicle after being one day late with my payment. The contract should really be voided because of outstanding interest rate I was overcharged. This is an aweful company to work with and has lied to me saying they did n't tell the car lot to install the disablement and for me to go there call them and they would let them know. XXXX said they would remove it if they spoke to someone from the finance company.I get to XXXX XXXX  where I got the truck from so Credit Acceptance can speak to them to have it removed and I 'm placed on hold for a long time and then I 'm told they did n't tell me that. So while the vehicle was in my possession I 've been at risk of being stuck in unsafe areas due to the vehicle being disabled for being a day or so late with payments and at the time I was working a lot and needed that extra day or so. I come out at XXXX to go to work from working a double shift the night before and the car did n't start. I was left without transportation to work or to the bank to even deposit the payment.

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