vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am disputing the following student loan accounts according to the section 623 under the FCRA for reporting incorrectly. 

Account : XXXX ( Group A/B/C/D/E/F ) XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the student loan debt reporting on my credit report. I have exercised my rights and requested debt validation from Nelnet. Please provide me with the original instrument of indebtness in its original form. I am asking for the original contract with my INK signature. I sent letters via certified mail to the credit bureaus in XXXX & XXXX. Despite my requests, Nelnet has not responded to me and ignored my requests. 

This is a formal complaint for Nelnet to provide me with the following : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. 
3 ) Copies of the Application and 2 sided Promissory Note documents. 
2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. 
4 ) Exact copies of all of the original Notice of Loan Guarantee and Disclosure Statements that apply to the loans that I allegedly received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC.
State: OH

Complaint narrative:
I was contacted yesterday ( XX/XX/XXXX ) by XXXX XXXX XXXX  from phone number XXXX. I did not answer my phone and a voice mail was left. It was a prerecorded message stating it was XXXX XXXX XXXX  calling about a personal matter for XXXX XXXX ( me ) I needed to return their phone call or have my attorney contact them immediately at phone number XXXX. I called the number back and a Mr. XXXX XXXX answered the phone. He already knew who I was based on my phone number ( so he stated ). He asked if I was XXXX XXXX and I stated yes. He stated he was calling about an XXXX online payday loan I had taken out in XXXX and my case was currently in the legal processing department where they were getting ready to file a legal judgement against me for none payment. He asked if I had taken out the loan, and I responded I have no idea it was 4 years ago, but I do not recall ever taken out an online payday loan. He then proceeded to tell me I had 90 days to bring the account current or I would face legal action. I told him I was driving and could not provide my account infromation. I would have to call him when I got settled. He aggreed and said this was fine. I then began to research the phone numbers and found other complaints online about phone # XXXX. I then began to research the company XXXX. I found it was owned and opperated out of Texas by a parent copany named EZCOPR whom the CFpB had taken action against in XXXX and the company was ordered to repay thouasnds of consumers and stop any and all colleciton activity including 3rd pary debt collection. I then began to research the collection company XXXX XXXX XXXX and the only company I was able to find being " dept collector '' was XXXX XXXX XXXX out of XXXX, MO. I contacted the company using the number listed ( XXXX ). I spoke to a man claiming to be the owner XXXX XXXX XXXX. The individual stated he had recieved several calls over the past month from individuals who had been contacted by XXXX XXXX of XXXX XXXX XXXX and he had no one working there by that name. He stated he even recived a letter from the Missouri Attorney General about unfair debt practices. He stated he runs a repo company and that is the only debt collection he condcuts. He appoligized to me. 

Over the course of the night I recived robo calls from XXXX XXXX XXXX from the following numbers leaving voice mails from either XXXX XXXX or the automated system stating they needed to discuss an important matter with me. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, XXXX XXXX Chase Home Finance LLC reported to XXXX  that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX Chase Reported to XXXX  a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX Chase reported to XXXX  a balance of {$25000.00} and charged off account status. On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00}. 

When Chase update the report to XXXX  XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the XXXX  Credit Report is being seen by XXXX  and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my XXXX Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted Chase about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with XXXX and Chase Home Finance incorrectly reporting. XXXX  and XXXX are not an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2018 : I submitted account inquiry to know about the details of minimum balance requirements and procedure to terminate my account and withdraw all my money, so that I do not incur fee for low balance. 

XX/XX/2018 : I checked Chase secure messages to take action but my account was already closed and I had lost all my transaction history and remaining balance. 

XX/XX/2018 : An undelivered check resulted in a debit to my account but I lost the funds because Chase had already closed my account. 

I sent request to transfer money electronically to my husband 's account and the bank refused and asked me to go to physical bank location to resolve it. 

I had submitted inquiry for closing the account so that I could take the necessary action and I did not get enough time to decide where and how do I want to withdraw my balance. 

I'm traveling and can not deal with physical checks or go to physical bank location. I do not have USA phone number to communicate with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Paypal Holdings, Inc

Complaint narrative:
I have a paypal account and now they limited me for 180 days, time in which I can not withdraw money or close the account and after that time they are going to close my account and to withdraw the money I have to do it to an account in the US, I do not have an account in the US because I am a resident of another country. On the other hand, the company tells me that the problem is that they are reviewing my sales and I have never been sold by paypal. If they are going to close my account because they do not let me take out the money and that's it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient began Harassing me and my Father on XX/XX/XXXX with phone calls. 
Navient claimed that a payment for {$92.00} was late. Payment actually arrived on XX/XX/XXXX and XXXX XXXX of Navient confirmed receipt at XXXX XXXX  on XX/XX/XXXX. 
Received another call on XXXX from Navient Robot stating payment was still late. 
Called staff at Navient and spoke with XXXX at XXXX XXXX onXX/XX/XXXX 
He was not sure why me and my Dad were still being Harassed by Navient. 
XXXX Stated that account should all be up to date by XX/XX/XXXX. 
On XX/XX/XXXX My Dad an I each received harassing phone calls and also email messages saying payment was late. Navient is completely incompetent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: ME

Complaint narrative:
I have historically found XXXX to be very unresponsive to any questions i've had about my loan and found their interest rates to be excessively high, so in XXXX of 2018 I refinanced my student loan with another servicer. The balance on my account was paid off, and yet on XX/XX/2018, XXXX continued to autodebit my monthly payment of {$180.00}. My XXXX account currently shows a negative balance of {$180.00} ( yes, {$9.00} more than what my autodebit charge was ). I sent them a message asking how and when they would refund me this negative balance and to confirm that the auto payments would be discontinued. Because my account is paid off, I don't have access to all the normal features on my online account ( for instance, i can't see my payment history to confirm when the balance was paid off and became negative, and I can't access the autopay settings to confirm whether it's still active ). I have messaged them twice and not received any responses other than some automatic email responses with some " FAQs '' ; the auto response didn't even say that someone would respond within 24 hours. It has been almost a week and I have not received any formal human response or confirmation from XXXX. I have spent an inordinate amount of time trying to get in touch with them and find it impossible to get a human response ( I shouldn't have to spend hours on the phone during my work hours trying to fix their mistake ). I just want my money back and to make sure that they never try and access another cent from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and XXXX both intimated a hard inquiry of my Experian credit report. I have no credit with either company, and did not authorize these. These were done without my consent. Please help.

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 2018-11-09 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
My mortgage was recently transferred to a new servicer Rushmore Loan Management and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer Rushmore Loan management is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Account # from when account was active : XXXX Account # according to Credit Reports : Equifax - XXXX / XXXX - XXXX /XXXX - XXXX I have already submitted a complaint ( # XXXX ) with you all regarding the actual company ( XXXX XXXX  XXXX XXXX ) providing the information but this morning I received emails from Equifax stating that my disputes ( Conf # 's XXXX & XXXX both XXXX XXXX   for duplication of accounts and inaccurately reporting a CLOSED account as OPEN ) were complete. I called and spoke with 2 different reps who both confirmed that XXXX XXXX replied that the info is correctly reporting. I proceed to explain to the young man that 1. I only ever had 1 account with XXXX XXXX  XXXX XXXX which began XX/XX/XXXX. That truck was repossessed in XX/XX/XXXX, they refused to give the vehicle back to me. How on earth can they report this balance as open when it's C/O after they refused to give me the vehicle back. He explained because the balance is still owed and was never sold. So then I asked him to explain the duplication, his response was it's not the same, account ending in XXXX has a {$0.00} balance and shows as " Sold/transferred '' & account ending in XXXX has a balance of {$11000.00} and shows " Charged off and Open '' ... hmmm, this all is a big conflict and it's like whatever the creditor says is what goes and it's not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
They call my cell, my work and my mother! They have called me before XXXX XXXX  at least twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My mortgage was recently transferred to a new servicer XXXX XXXX XXXX and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer XXXX XXXX XXXX  is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: PA

Complaint narrative:
XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however Equifax did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was going through a little lack of work. I got some late fees waived on XX/XX/2018 payment due date was on the XXXX of every month I been a Walmart credit card holder for two years going on 3 and I didnt receive any emails or anything in mail stating my account was closed on XX/XX/2018 I went to make a payment to use card in store and I realized I was speaking to a collection agency I then had to find out why my card closed and they said it was bc of delinquency and my recent statement shows active due XX/XX/2018 I dont have credit card protection for card its not available I have had worse times than this and now my credit is critically damaged unnoticeable this is not right.

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 2018-11-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however XXXX   did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.

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 2018-11-09 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
capital one has been going back and forth on my credit report and putting negative information on my account. I file chapter XXXX and was discharge after successful completing my payments and capital one went on my credit report a negative remark. I went to chapter XXXX XX/XX/2015. Before I went I was making payments arrangement through XXXX and XXXX to pay capital one which they transfer the account to a third party. Once I went to BK they decided to comeback and update my credit report in a negative way. Its been 3 years and 2 months since I had a negative remark. They report recently and now I am a month since negative remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, Experian, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX 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 non-monetary relief