vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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: MA

Complaint narrative:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred,  and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CA

Complaint narrative:
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}

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 2019-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Master Finance Company
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Master Finance. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have been in contact with XXXX XXXX Customer Service for several month to reduce my payment and they are not willing to work with me. I have filled out 2 financial sheet and the rep discuss with me that I have a negative income and don't see why I couldn't get my payment lower. I keep going back and forth with them, telling me to call back to get the different answers/results. They are ignoring my complaint and concern. I have paid off the smaller loan of XXXX and still they will not work with me to lower my payment. I email XXXX XXXX to see if they will work with me, and was told that they would be able to lower my payment to what I requested but they also need to talk to my co-signer. Once my co-signer called he/she was told something different, that they will not lower the payments. I have been making small payments and they said that doesn't matter and now myself and the co-signer have a default/delinquent on our credit reports. I have been trying in good faith to pay something, but I'm not getting anywhere with them making XXXX hr job and other necessary living expenses and loans and the same goes for the co-signer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am part of the XXXX Federal employees who have recently been furloughed due to a lack of funding for my agency. Because of this, my income has been severely cut and I am unable to pay the cost of my monthly payments, along with my other living expenses ( food, clothing, utilities, etc. ). 

On XX/XX/XXXX and XX/XX/XXXX I spoke with my loan servicer " Mr. Cooper, '' to request a temporary arrangement that would help me continue to meet my monthly mortgage payments in the amount of {$2300.00} without incurring late penalties and impacting my credit rating. 

In summary, Mr. Cooper will not consider my special situation ( or that of any of its Federal employee customers ) until I have already incurred late penalties and become delinquent because it is an intermediary ( loan servicer ) to the owners of my mortgage ( XXXX XXXX and XXXX XXXX. When I asked to contact XXXX XXXX and XXXX directly, Mr. Cooper clarified that I would have to do it via Mr. Cooper. 

I am extremely disappointed and concerned that my loan servicer Mr. Cooper coupled with mortgage owners XXXX XXXX/XXXX have not put a program in place to work with Federal employees while the government shutdown is resolved. Their current process of waiting for me to become delinquent adds to the hardship that my family is already experiencing. By charging me late penalties and damaging my credit, Mr. Cooper, XXXX XXXX and XXXX appear to be ignoring and showing ambivalence to the plight of their Federal customers. 

I have been diligent in protecting my credit and avoiding penalties I can not afford to pay. Furthermore, as a loyal public servant, I have worked hard, to be honest, and transparent with my creditors ; to make my mortgage payments on time and secure my home. I would greatly appreciate it if Mr. Cooper, XXXX XXXX, and XXXX would show willingness and understanding to work with me during this difficult time. 

I have sent Mr. Cooper a letter stating my distress. I would be grateful for any assistance the Consumer Financial Bureau can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: TX

Complaint narrative:
this is from a apartment falsely statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX/TFC. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is the current mortgage servicer of my second mortgage which was sold in a mortgage securities pool in XXXX. The mortgage was fraudulent upon issuing. Pursuant to 10 PA Code Section 48.3, the company issuing the mortgage used and provided fraudulent information contained in these sections of the PA code : ( 1 ) A dishonest practice or conduct is characterized by a lack of truth, honesty or trustworthiness, or is deceptive or implies a willful perversion of the truth to deceive, cheat, or defraud. ( 2 ) A fraudulent practice or conduct is characterized by deceit or trickery, an intentional perversion of the truth to induce another to part with something of value or to surrender a legal right, or an act of deceiving or misrepresenting. Fraud also includes any other  definition of fraud under applicable law. Example A : A mortgage originator employed by a mortgage broker has promised a certain low-rate mortgage loan to a consumer. However, the consumer does not have the minimum debt-to-income ratio set by the lender preferred by the mortgage originators employer to qualify for the lowest-rate mortgage loan offered. Therefore, the mortgage originator changes the XXXX statement of the consumer to reflect a higher income for the consumer without the consumers knowledge, and then submits the documentation to the lender. Example B : An employee of a mortgage lender contacts a real estate appraiser with a request to perform an appraisal and informs the appraiser that the sale price of the property is {$150000.00}. The employee knows that the property will not appraise for that amount, but promises the appraiser future business if the appraiser can make the deal work. The mortgage loan is closed by the mortgage lender based upon the appraisal report showing the value of the property as {$150000.00}. I was tricked into this mortgage during desperate times. The interest rate is 9.75 % fixed. I had been paying interest-only for 10 years, and in XXXX I was required to start paying principal and interest. I have been struggling with these payments and will not be able to hold on much longer. I love my house and want to spend the rest of my life here. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2018, Chase compromised my Joint Checking account with Me and My wife. While the bank covered the check that was fraudulently written on the account and improperly cashed by Chase personnel ( Fake name, check did not match personal checks, did not match check writing pattern, no identification collected by bank personnel, bank refused to participate in criminal filing ) Chase insisted that we obtain a new account number, instead of issuing a new account number they closed the previous account and set me up with a new account, unbeknownst to this they decided that my wife do to an ongoing issue with a student loan ( pending in court ) would not be permitted to open a new account with chase. 

Arizona is a joint property state which means she is legally entitled to the assets in the account anyway, and they did not close our joint lines of credit or credit cards. 

They continue to refuse that the issue is related to credit but they sent a letter after our complaint to Chase corporate that it was indeed credit related.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: OR

Complaint narrative:
It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX  as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate. 

In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract. 

My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report. 

We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially. 

I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
I had a 1 year lease with XXXX XXXX XXXX XXXX. I had notified property management several times about mold, the extremely loud noise from up stair neighbors, and about a loud and continuous noise coming from a piece off equipment attached to the wall outside our bedroom ( owned, operated, and maintained by the landlord ). I requested several times they fix the equipment making the noise as it would go off every 5 -10 minutes. The noise was so disturbing that we were unable to sleep. I was nearly in an accident when i dosed off driving to work because the noise kept me up nearly ever night. At that point I hand delivered a letter to the property management demanding the equipment be fixed or we would be vacating the apartment under CCP 1942. After several weeks of no response and the complex 's failure to make the necessary corrections we vacated the property and were told they understood. This was on XX/XX/XXXX. We did not hear anything from the complex until XXXX/XXXX when we were then told that we terminated the lease early and owed a balance ( 17 months later ) they also are seeking interest for that time. Its my understanding there are new property mangers and i asked them to look at the emails and letter I delivered regarding move out, to which they stated they have no documentation of any communication between myself and the complex. When i asked for the debt to be validated they sent a copy of the lease and a Deposit Disposition,  which indicates that notice was given, yet they somehow no longer have that document. My credit has been severally impacted as well as my wife 's and is preventing us from obtaining credit and incurring unnecessary costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: PA

Complaint narrative:
The company is Transunion, I was car shopping and was looking for the best finance charge I could get. There were 11 inquiries made on XX/XX/XXXX to the XX/XX/2018. I was under the understanding that if your inquiries are with in 14 days of each other it counts as one inquiry, Trans Union counted them as 11 different inquiries they did the same on XX/XX/XXXX & XX/XX/XXXX which makes my credit report look really bad 20 plus inquiries, now the credit union will not give me a loan because of to many inquiries. If they would show them as 1 inquiry each it In XXXX and XXXX it would show as 2 inquiries and would not affect my chances of getting a loan. When I agreed to have these auto dealerships find me a loan at the best rate, I didn't agree to 11 or more inquiries which now is preventing me from getting a loan. There needs to be some kind of change to how they show these inquiries so people like me do not get affected. Its not just trans union either all three do this but the other 2 seem to lump some together. Trans union does not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.

Company response to consumer: Closed with explanation