vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: AL

Complaint narrative:
I XXXX XXXX XXXX got hurt on my job back in 2014 and fell behind on my payments after my workers comp pay stop so I end up falling behind on my house payments and I ask my mortgage company about a loan modification and i was giving the run around about the help until a few days before closing date and I was told that there fax machine had been acting up so I was giving about 5 different fax numbers but none of them work and I was also told that I didn't complete my papers correctly nor send them in on time I was being help by a lady name XXXX XXXX in loss mitigation and ms XXXX. compony name is Alabama housing finance authority this company failed to comply with hud act loss-mitigation procedures with myself. They took my house and resold it so fast because of the value of it

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 2018-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University of XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 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: Motolease, LLC
State: FL

Complaint narrative:
For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University XXXX XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XX/XX/18- Is when I saw that my loan company is corrupted and it has been report on XXXX   XXXX XXXX , that they are dropping the loans from AES . I have AES, they will not work with me on forberance, on lowering my payment, they keep raising the payment and it is getting harder for me to pay. There was a time they told me I never paid them and I did so I had to pay them again. Another time they got my loan mixed up with someone else 's loan. My main issue is that they would not work with me so I can pay them back. My second issue is that now that they are all over the news I need help and guidance how to fix this issue. 

The XXXX XXXX  XXXX reported Monday that judges around the country have dismissed dozens of lawsuits against delinquent borrowers because the entity bringing the suitswhich purchased loans from other originating lenderscant produce paperwork to prove it owns the debt. Sometimes, explains student loan expert XXXX XXXX, such issues have arisen because documents have gone missing, particularly for older loans where actual hard copies were transferred. In other cases, he says, there are basic misinformation or data input mistakessuch as mixing up borrowers names or Social Security numbers. 

They also dont usually provide proof of the transfer of the individual loan from the bank to the Depositor to the Trust. 

American Education Services ( AES ), the loan servicer that manages XXXX XXXX debts. If youve gotten collections notices from XXXX or bills from AES, theres a chance XXXX XXXX holds your student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is a company called Naviete, Navaite ( spelling? ) They keep calling our personal house phone number and I have never done business with them and neither has my husband. Since we have never done business with them and we do not owe them any money, I want them to stop harassing us and stop calling our home number. They call 2-3 times a day and it is getting very annoying. Please help us to get these people to stop calling. They will not get money from us, we don't owe them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I have autopay set up on my Gm Financial Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my GM financial autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails GM ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call GM financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the GM account was showing 30 days late on two consecutive months. Either way, I call Gm financial to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call  the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the GM financial statement showing where the late charge had been credited. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C systems collection agency XXXX XXXX XXXX  XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Source Receivables Management LLC
State: NY

Complaint narrative:
On XX/XX/18 at approximately XXXX, I visited the XXXX website and chatted with a rep ( XXXX XXXX. ) in regard to a debt that was on my credit report in the amount of {$570.00}. I asked XXXX if XXXX could remove the entry from my credit report upon me paying the amount owed. She stated that it would be removed and offered to process the payment for me but I elected to pay in the store rather than online. Once in the store, the manager was unable to pull up my account and gave me a number to call to make the payment. That number routed me to a rep by the name of XXXX whom I spoke to around XXXX that same day. I double checked with him about the entry being removed from my credit report, he advised that, " the payment will update in 3-5 working days, and be completely removed from your credit. '' That sounded great to me so I made the payment. XXXX clearly still owned the debt or else they wouldn't be able to accept payment for it, the collection agency was merely a contractor. Today, XX/XX/18, I received a notification that the balance on that collection had been updated to {$0.00}. Ok, so the payment had been processed and an update has been made. But it wasn't the update that was promised. I contacted the collection agency named Source Receivables Management. I spoke with a woman named XXXX and explained to her that XXXX had agreed to remove the collection from my credit report. She explained that Source Receivables Management would not be removing the entry and that I would need to speak to XXXX. I then called XXXX again and the rep I spoke with explained that there was nothing he could do, I should call the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BB&T CORPORATION
State: MD

Complaint narrative:
My applied to refinance the Home equity line of credit. They wanted my income for the loan calculation. At no point did I authorize them to pull my credit report. Nor did I sign any paperwork regarding this new loan. The following day I get an alert they had pulled 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 2018-08-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/18 - I initiated a dispute for wrong information online XX/XX/18 - I checked my report and found that my auto loan account had been changed ( This was not part of my dispute and up until XX/XX/18 it was reporting correctly.

XX/XX/18 - I called Equifax, spoke with XXXX, totally unknowledgeable and unclear English.

XX/XX/18 - I called back after XXXX refused to transfer me to a manager.

XX/XX/18 - Spoke with XXXX  who transferred me to XXXX  ( Like XXXX he continued to tell me I had to dispute the information, which is ridiculous since they changed it in error )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX  Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.

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 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX TO XX/XX/XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX  and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. 
XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I received a letter from The Law Offices of Robert J Colclough III originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The XXXXXXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the Leving Officer XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed.

I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXXXXXX XXXX XXXX  XXXX collected the debt. from XXXX XXXX XXXX XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The XXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of Robert J Colclough III The XXXXXXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX XXXX  and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number,  the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you

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