vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to SLS ( Specialized Loan Service ) to provide information so as to clear an apparently debt they say I owe. I have spoken to XXXX on several occasions and was informed that the information I requested was sent on XX/XX/XXXX and XX/XX/XXXX but as yet ( XX/XX/XXXX ) I have not received any information. According to YELP and even comments on SLS Website indicate that SLS is not responsive to customers request and I beginning to believe this is true. The following is the information I requested from SLS. 

Provide the amount which was assumed from XXXX in XX/XX/XXXX. 
What is my payoff balance as of XX/XX/XXXX? 
What is the daily interest rate on this loan? 
I would like to speak with someone whom I can discuss the amount that is claimed I owe and see if this amount can be reduced. As I have mentioned previously I contacted SLS in XX/XX/XXXX to discuss this loan, which I didn't know I had, and was told there was no record of me nor that I had a loan with SLS. I believe that I should not be libel for any further interest or late fees from that time forward. 

Thank you for your attention in this matter.

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 2020-06-03 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: IA

Complaint narrative:
I received an email saying that I would be automatically enrolled in e-statements if I did not respond by XX/XX/XXXX. The email advises that to opt out of the electronic statements I must log onto the Nelnet website. However when I log onto the website there is no option to logout. The representative advised that I would need to go to the studentaid.gov website to change that option or wait until I am automatically enrolled on XX/XX/XXXX to opt out. This is a waste of my time and this is not the first time I have had to specifically request that my statements be delivered by mail. I do not want electronic statements. I should not have to opt out and if I do clear instructions and a working website need to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... .. I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED

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 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX sent a disputed medical debt of {$3300.00} to their collections agency NRS, without ever having sent me a bill. The entire amount is being disputed as it is still pending an appeal with insurance and XXXX is breaking the law by claiming and billing me as if they are an Out Of Network provider when in fact I and my insurance company have proven and informed them of their In-Network Status using an EOB dated XX/XX/20 wherein they were denied due to untimely filing. It seems XXXX is only claiming Out Of Network status to bill me for the entire amount because they failed to bill my insurance correctly and on time their and the account has become their loss. XXXX has claimed they took the disputed bill out of collections with NRS but NRS says it is still with them as of XX/XX/20. I have provided NRS with a copy of XXXX statement to the XXXX regarding this same complaint. And I have provided the EOB proof of In-Network status denied for untimely filing to both companies as well. Hopefully the evidence I have provided will convince NRS to close the account and XXXX to cease fraudulent Out Of Network billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX AMD TRANSUNION STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} 11 XXXX XX/XX/XXXX {$590.00} 12 XXXX XXXX XX/XX/XXXX {$500.00} 10 XXXX XXXX XX/XX/XXXX {$1600.00} 12 XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}

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 2020-06-03 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX XXXX REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX  AMD XXXX  STILL HAVE NOT RESPONDED TO MY REQUEST AND EQUIFAX RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION XXXX ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX  XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX  XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX  XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC has made changes that do not allow me to link my checking account to my XXXX card to pay others. I can use my XXXX card in stores and it will reload a balance from PNC but PNC will not let me make payments directly from the XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
This account with XXXX is not mine. I was trying to apply for a home loan and it came up on my credit report. I've tried to explain this to them and they said they'd do an investigation and it is still reporting. I have had my phone service with XXXX the past 15 years!!! and i've had the same phone number the past 10 years. On the credit report it shows that the account with XXXX was opened in 2018. I know my name is very common and this is a huge mistake. I need this removed. I will be filing a police report once the police station allows me to go in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I got that loan more than 5 years ago had it paid off refinance then they never took the money that I paid off of my balance so I stopped paying. Then today XX/XX/2020 I received a text saying my payment didn't go through which I never authorized the payment. I called the phone number and ask him to stop calling me. they called me back and told me they were from Ace check cashing and that I was going to go to jail if I didn't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have XXXX XXXX XXXX XXXX, which are currently serviced by Navient ( approx 5 years with Navient ). When I learned about the CARES act, I called, confirmed it applied to my loans, and got my early XXXX payment refunded. My Navient " dashboard '' currently reads that the interest is 0 % and that I do not owe a payment. 
However, on XX/XX/XXXX I received an email that I had an Inbox message. This is different than normal correspondence with Navient, which usually is just an email saying the amount due. I logged into my account, which still says I don't owe anything and there is a 0 % interest payment. However, the inbox message says the following ( while still saying, at the bottom, that the rate is 0 % ). On XX/XX/XXXX, I called Navient who said my interest is not accruing and that my loans are covered by the XXXX XXXX, but could not explain why the letter was sent to me - they said the president required the letter, but could not explain why it would contain inaccurate information. 
I know that many borrowers would read this as a statement and pay the money thinking that it will continue to accrue. Although I don't know of anyone else who received one, the person I spoke with said " everyone '' got a letter, but didn't seem to understand the letter I received today, and seemed to be referring to the general CARES Act email that was sent in early XXXX. 
MY NAME, interest is accruing while your student loan payments are postponed. Pay a little now and save a lot later. 
We want you to be aware that interest accrues during the forbearance period on your loans. If the interest is not paid as it accrues, it may be capitalized ( added to your principal balance ). 
Remember, you can shorten or cancel your forbearance period at any time. 
Heres the Unpaid Principal and the Unpaid Interest that has accrued as of XX/XX/XXXX : Unpaid Principal : {$39000.00} Unpaid Interest : {$47.00} Current Balance ( Total ) : {$39000.00} Remember : Youre obligated to repay your loans after periods of forbearance expire in accordance with the terms of your Promissory Notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new Nissan XXXX 2020 from the XXXX XXXX Nissan Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The Nissan Dealer said it's not their problem and washed their hands. 

Nissan Finance requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave Nissan Finance the case #, and requested the Fraud Package 4 times, and the package never arrived. Nissan refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened up a credit card with Wells Fargo a couple of months ago with a credit line of XXXX. I did a balance transfer to pay off high interest credit cards which they advertised ) 0 interest for 18 months, so it looked like a good offer. This put my credit card at 55 % utilization plus a couple other charges. I never payed late. I got my statement on XX/XX/2020 with my minimum payment due, and my current credit limit of XXXX. I noticed on XX/XX/2020 they decreased on their website my credit limit so now my usage is at almost XXXX percent. I understand they don't have to notify me of this, but this a new account and I have never seen this happen. I called Wells Fargo and ask them why they said because I opened a new credit card somewhere else ( I opened a XXXX  card because I just bought a house ) and I and my checking account is low- ( I have Checking account with Wells Fargo ) I told them a checking account is not a savings account, and that I have two savings account with another bank do they need proof ) to make a long story short if they pulled my credit report I have several credit cards, and my overall credit usage is under 20 % with 80 % of them with NO balance, I only used so much on this card because of the balance transfer. My credit is over 700- which is considered good standing on credit reports. I feel this not only will dropped my credit score but could jeopardise my existing credit with my other lines of credit. This is just bad practice.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... XXXX I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX card, XXXX and XXXX XXXX. This is the second time I have had to complain. 
This is my third time sending my request. I feel that Transunion just keeps sending computer generated letters. There is no way that a person is looking at this complaint & keep saying the same exact thing. It is against the LAW to report known FRAUD accounts.

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 2020-06-03 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: Nelnet, Inc.
State: CA

Complaint narrative:
I logged into my NelNet account and updated my new address on XX/XX/2020. I contacted a NelNet representative who stated that they update the 3 bureaus at the end of each month XXXX XX/XX/2020 ). 

I called NelNet yesterday XXXX XX/XX/2020 ) and spoke with a representative who stated that they are not responsible to report profile updates to include a change of address to the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Unable to link my PNC account to my cash app card to deposit money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I was pre-approved for a conventional loan for an investment property on XX/XX/2020. Today is XX/XX/2020 and I have missed two closing dates and can not get an answer as to when I will be able to close. Due to the lack of communication between the lender, attorney 's office, real estate agents and I, I have been forced to pay an additional {$500.00} in due diligence money on top of the {$500.00} I originally paid. I am also currently paying rent for the home through a buyer 's possession negotiated so my renter 's could move in even though I have been unable to close. These renters were relocating from another state due to job relocation and needed a place to go. Now the seller is considering terminating my contract and I've done everything I can to move this process along. I have provided all the requested documentation several times over and have been asked to justify documentation provided multiple times. I have already been approved for the loan so I can't understand why I can't just close on move on from this. This is the last time I will ever get another loan through Freedom Mortgage and I am sick by the way I've been treated throughout this process. I was going to walk away and use a different lender but was talked into staying on the promise of closing on XX/XX/2020, which also was a lie.

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The problem i have been having with this company ( SHELLPOINT SERVICING MANAGEMENT ) since my mortgage transferred to them from " XXXX XXXX  " is that i can not access my account online even though i ve tried to resolve the issue since XX/XX/XXXX and before that several times with no luck.They keep telling me that they will transfer my request to IT but even though they did nothing has been resolved and representatives i speak to on the phone have no clue how to fix this.I asked for them to connect me to a specialist several times but they refuse to.Other than that i have no other issue with them and my account is in good standing.I really need to be able to pay my account online and access it whenever necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My credit report incorrectly shows 3 late payments on my mortgage payments to XXXX XXXX ) XX/XX/2018, XX/XX/2018, XX/XX/2018. I have made these three payments on time. 
XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XXXX XX/XX/2018 ( XXXX  payment history file ) I am attaching both monthly bank statements and XXXX  account payment history file ( downloaded from XXXX  ).

Company response to consumer: Closed with explanation