vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
In XXXX I lost the employment and had to get off my income based repayment plan and was moved to forbearance due to unemployment. I regained employment in XXXX. I called AES to request that an Income Based Repayment ( IBR ) plan application be mailed to me. After a few weeks I called back and was told that the IBR was mailed but that they would send it again. A few weeks later after receiving nothing I called back and was told that nothing was mailed either time and that I can go to the website to get the application. I said that I don't want to go to the site and asked that get the application mailed to me as I did 3 calls and 2 months prior. A few weeks later I called again for a fourth time asking where the application was because I still haven't received anything. I was told that the " systems were down '' and that " nothing could be mailed but I could go to the website ''. I told that person that for the fourth time and 3 months after my initial request that I still want the paperwork mailed. After receiving the paperwork I completed the application as instructed and faxed it in along with the required pay stub. 2 weeks later I got an email saying that my application was denied and I have to stay on my current plan. I emailed back saying that how could my application be denied? I am working and want to start repayment but can not because they denied my application and want me to continue paying nothing! They replied back saying that I was denied and have to stay on my current plan. I replied saying that is ludicrous. I can resume repayment because I have income and don't want to continue paying nothing. AES 's response was that I must continue on my current plan until next year when my current repayment plan is up for renewal. That is insane. They owe me for the 3, now 4 months of accrued interest and to go over with me terms of repayment. What AES is doing is CRIMINAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and  Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written  requests is also evidence of your willful disregard of Federal Law.

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND that you delete ALL the accounts listed below IMMEDIATELY. 
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 


{ XXXX XXXX } Name of Account PORTOFOLIO recovery XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FRESNO CREDIT BUREAU
State: WA

Complaint narrative:
A few months ago I saw looked at my XXXX XXXX credit report. On the report I saw a derogatory entry from XXXX XXXX XXXX/Fresno Credit Bureau, through XXXX for {$1500.00}. There is no identifying information about this " account. '' I have received no letters or phone calls about this from the credit bureau and I do not know what this is about. Are they allowed to just add stuff to a credit report without even contacting the person they are denigrating? My credit score is obviously lowered because of this phantom entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a home loan on XX/XX/XXXX with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was XXXX XXXX. Caliber Home Loans claims to have became the servicer of the loan owned by XXXX in XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX, while an Appeal from a previous BK is pending for oral hearing on XX/XX/XXXX and Caliber has yet to appear before the Court. 

Caliber sent me the attached XXXX and you can clearly see the post-petition payments during XXXX were made and they have ignored this. The federal employer identification number ( EIN ) reflected on the XXXX Form XXXX does not correspond to Caliber, but rather to their 401k Employee 's Account and this needs immediate clarification. 

Caliber has failed to post all payments made since XX/XX/XXXX, my credit has been negatively impacted, and the loan balance has been increased by {$50000.00} due to unlawful fees and costs charged with no Court Approval or Order to do so. 

XXXX XXXX si the owner of the note and has not notified me that the loan was attempted to be sold. The loan went through a XXXX loan modification and is thus a non-negotiable instrument pursuant to the UCC 3. XXXX XXXX can not legally sell the Note. 

The Assignment of Mortgage and Note endorsements are fraudulent, therefore I request a full audit of the loan. The attached subpoena has been sent to all the parties involved. Caliber has failed to properly report my payment history and information to the Credit Reporting Agencies ( CRAs ) regarding the loan since becoming the loans servicer on  XX/XX/XXXX. 

According to Caliber the loans uncollected fee balance is {$3000.00} as of the date of this letter? We continue to contact their Single Point of Contact ( SPOC ) Department at XXXX and have not received any adequate reply to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
My loan is not amortizing according to the schedule provided. I talked to XXXX  about this and a rep told me they first apply payments to the interest on the entire loan prior to paying down principal. 

I recently made a {$1500.00} principal paydown and according to the amortization schedule my balance should be {$1600.00}. Instead it is {$2200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Made a purchase from XXXX for {$700.00} and when the package arrived, it was not what I ordered so I returned it. XXXXXXXX XXXX states that what they received is NOT what I ordered, which is EXACTLY the problem, I did NOT receive what I ordered and they refuse to issue a credit to my account when the error was on their side to begin with. 
I wrote and called and their response was that they already responded. 
Wrote to the card issuer and they stated the same thing, that XXXX already responded. 
It appears NOBODY wants to read or understand the issue. 
XXXX kept what was sent back and refused to issue credit to my account. 

Now they are reporting to the credit bureau that I am a dead beat and do not pay my bills -- I made a few payments to keep my credit good while I attempted to resolve but it is clear they REFUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
i am having calls 24 theathing me to arrest me and pay full amout go to court XXXX me to incrint to 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 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I purchased a car on XX/XX/18. At the time of purchase a credit report was run by the car dealership. The loan was approved and I began making payments to Wells Fargo. On XX/XX/18 Wells Fargo ran a 2nd credit report on me thereby creating two hard hits on my credit report for the purchase of one car. 

I called Wells Fargo and asked them to submit in writing the mistake they have made to the credit reporting agencies. They declined and said I would have to go through their disputes process. They further indicated that they had no record of the credit check. I declined indicating to the Wells Fargo manager that I do not have time to fix their messes. I feel they have violated Federal Law, Reg. 1681 and have negligently pulled a credit report without my permission. I would like this situation remedied by Wells Fargo. I've only had the loan a little over a month and they've already cause a negative impact to my credit report.

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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
My statement of XX/XX/XXXX to XX/XX/XXXX showed an item of " XXXX XXXX XXXX {$490.00} '' adding to my statement. 

The first time that this {$490.00} showed on my statement was in XX/XX/XXXX. And I didn't recognize it, since it was saying the {$490.00} was for XXXX, but I never had a XXXX account. And I was in XXXX during the period of XX/XX/XXXX to XX/XX/XXXX and I couldn't use this card in XXXX. Clearly, it was a fraud. 

I reported this dispute of {$490.00} to the bank and they were pretty helpful and gave back my money. 

But on my XXXX 's statement, this {$490.00} together with other transactions ( I recognized and paid for those ones ) showed again. 

I called the bank. They told me after investigation, this transaction was made by XXXX and the bank didn't recognize it as a fraud anymore. BUT, I don't even have XXXX and I wasn't able to use Discover Card in XXXX. 

The bank told me that they would go through another investigation of my case. It has been two months since I reported the issue. And I haven't had any feedback from the bank yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through Ally Financial. A XXXX XXXX XXXX, VIN : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$17000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number is : XXXX. 
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were XXXX Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.

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 2018-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
My house burned down. My insurance company sent me and my mortgage company a check for both of us to sign to pay off the property. Mr Cooper has given me more than one amount on the pay off and also charged me interest from the time the pay off was given to the insurance company and the time I sent in the check. Which for some reason they put in my escrow account. I don't know why they did that because I had called and done everything I was told to do before sending the check. I was charged interest after the payoff was given. I also believe my payoff amount is wrong. I paid extra on my principle every month which reduced my principle amount. I was given a pay off of XXXX from the website. Plus I can not get my escrow monies from them. Then my pay off jumped to XXXX when it was requested. Please help me investigate this company as I feel like they are taking advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: FL

Complaint narrative:
I tried to submit a dispute online at experian.com but it would not allow me to. There are incorrect versions of my name, as well as an incorrect address listed on my credit report. 

My name is XXXX XXXX XXXX. 

REMOVE : XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) Also, my address is XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 

REMOVE : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX FAMILY The variation of my address and of my name are incorrect. I have attached a copy of my bank statement proving my address and my ID to provide proof of my name.

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
To CFPB on XX/XX/2018 I received communication from XXXX XXXX that a company named XXXX XXXX  XXXX had reported to XXXX a debt they said I owe of XXXX That's strange because I never received a notice of any kind requesting payment of this bogus debt. 
FYI : I have had XXXX XXXX and everyone knows this therefore, because this company, Receivables Performance XXXX has violated my Federal rights to be notified of the bogus debt we, my attorneys and I are sending this information to the FTC, FCRA, the Texas Attorney Generals Office as well as filing a major law suit, and be it known, should something happen to me health-wise this company will be charged with XXXX XXXX   XXXX and gross negligence.

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: AL

Complaint narrative:
XXXX sent invoice dated XX/XX/XXXX. 
I notified XXXX in writing on XX/XX/XXXX to dispute the account, to ask for verification that it was authorized to be opened. 
XXXX replied with a form letter to call their office I notified XXXX in Writing on XX/XX/XXXX to communicate with me by mail and that I continued to dispute the account and that I did not authorize it. 
XXXX replied with the same form letter to call their office. 
I noticed XXXX in writing on XX/XX/XXXX informing them to communicate with me by mail and that XXXX disputing the account and not a customer of XXXX. 
XXXX replied with another form letter telling me to call them. 
I wrote to XXXX again on XX/XX/XXXX referring to the previous communication and that XXXX did not respond properly to my dispute. I again requested proof and verification that I authorized the charges. They did not respond. 
I notified XXXX in writing on XX/XX/XXXX to cease telephone communications with me and written correspondence will be responded to accordingly. 
XXXX replied with another form letter telling me to call them. 
I notified XXXX in writing on XX/XX/XXXX that they have not shown that I owe them any money or any agreement between us. I told them I would no longer respond to them without proper verification. 

Received collection notice from States Recovery Systems Inc datedXX/XX/XXXX. 
Responded by disputing the alleged debt and demand for verification, along with copy of agreement for my relationship with XXXX. 
Sent an additional letter on XX/XX/XXXX of notice to debt collector of default for not verifying alleged debt.

Received letter dated XX/XX/XXXX stating debt was verified and a print out of statement of account, with multiple contract account numbers, debit and credit amounts, with XXXX XXXX XXXX XXXX XXXX   payments, which I do not have a XXXX XXXX XXXX Account. 
On XX/XX/XXXX, wrote to States Recovery System that I received the letter but that the account has been in dispute and that XXXX failed to address the dispute. Also informed States Recovery Systems that they did not properly validate the debt. A simple statement is not validation. Anyone can make a statement. 
XX/XX/XXXX States Recovery Systems reported the collection to credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: FL

Complaint narrative:
on XX/XX/XXXX, XXXX XXXX credit card agreed to remove the late payments from XX/XX/XXXX-XX/XX/XXXX. However, im unable to submit a dispute via experian website, claiming i disputed this item in the past. It doesnt matter what was disputed. I can submit a dispute every XXXX days if i wanted to, by law, until incorrect information is removed from my report.

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