vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 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: NCC Business Services, Inc.
State: CA

Complaint narrative:
I sent this company my validation request on XX/XX/XXXX. it wasn't just a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully requested them to provide me with competent evidence that I have any legal obligation with them. 
But to my surprise they have neither validated nor responded to my request. This is yet another effort to resolve this issue before I file a lawsuit against this company if it will continue to report unvalidated information on my credit file. 
For yet another time, please delete these unvalidated accounts asap : NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 
NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 

Attached herewith is the letter i sent this company ealier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had apply for the income base repayment plan and was approved fro this type of loans but this year XXXX XXXX XXXX took my refund with out even talking to me about how i want to repay the loan or when can i start making payment and i really do need my refund i am homeless and was counting on that refund to found some were to stay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: VA

Complaint narrative:
My mother had a reverse mortgage on her home. She died, XX/XX/2019. Today will be one month from her death. I went to pick up mother mail and found a letter for requesting I contact them within 30 day. I just got the letter and it has not been 30 day. Yet, they have taken passion of the, change the locks and took some of the expensive items out of the house. Do the Reverse mortgage have the right to take my mom home without court notification? 

A notice posted and the date on the notices was XX/XX/2019. They went into packed boxes and took what they wanted. They set something to side, as if they were coming back to pick them up. I was in process of packing my mom items with boxed of stuff in the boxes. I would think, they would have call me since, I am her only child. The have all my information. 

There was someone still staying, so was lock out. I had been paying the taxes, Power, and insurance on property until I can get me a loan to buy my mom home. Should have the opportunity to sell my mother home or buy, but the reverse mortgage has taken over the property. What can I do? I just purchase carpet for the living and bed rooms. 

Also, she had a credit balance XXXX in XXXX, yet today I check and see that have been withdraw to pay on the home and there is a balance XXXX. What are my rights as her only child? I am willing to get a loan on because the city assessment is over XXXX and or get the house ready for sale, but that right has been taken away from me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX. However, I have not been able to get them on the phone. I want to buy and sell my mother and some from XXXX XXXX XXXX XXXX has taken position of the property. Can they perform an eviction without a Court Order and no formal posting? The letter was dated XX/XX/XXXX and I just got it. XXXX XXXX can be reached at XXXX XXXX. Please help. 


Company managing her money XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. XXXX XXXX XXXX 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 2019-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000. 

The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it. 
In the 6 years I have had the car I had to skip payments maybe 4- 6  months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX  who XXXX and XXXX XXXX   through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year. 
My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off. 

They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company. 

I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander. 
This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My PNC Savings Account has been attacked by unauthorized ACH Fraud. Starting XX/XX/2019 - today XX/XX/2019 I have had {$8000.00} taken from me as a result of the ACH fraud. Secondly, this has also had an effect on my PNC checking account where money was beginning to be transferred out due to unauthorized ACH fraud. All items marked in the account activity as ACH are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( 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 2019-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: HI

Complaint narrative:
Western union is irresponsible, not calling me back when the money transfer make was not deposited into my account on the date they promised. XXXX usd was transferred and they still could not trace the money after 5 days has passed. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. Loan # XXXX, Tax Parcel # XXXX. Has filed a claimed against a Loan in the lower courts in the State of Delaware under the name of XXXX XXXX. XXXX XXXX allegedly sold the note to Ocwen Loan Servicing, a debt collector. Ocwen Loan Servicing is refusing to help the next of kin or Transfer the Deed to the heir of the property. Thus, not allowing the Personal Representative to be able to obtain a modification and pay on the property that the family wants to keep. XXXX XXXX  has hired an aggressive attorney in the State of Delaware to foreclose and Owcen is playing a lot of games. Ocwen refuses to tell the family how they obtain the loan? when did they obtain the loan? What was the balance when transferred? how much was paid on the loan when the deceased was living?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX  XXXX remains in all of my credit reports as a negative item. XXXX  XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX XXXX remains in all of my credit reports as a negative item. XXXX XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 my mortgage transferred from XXXX to M & T Bank, the transferred escrow amount was {$14000.00} per XXXX transfer statement but M & T is unable to provide breakdown of where the escrow money went? Their total is lot less than XXXX and they are not providing breakdown of transferred escrow. M & T 1098 has escrow section which is showing amounts paid after XX/XX/XXXX and most of the funds as Miscellaneous, also the refund is counted twice and has double entry yet I received only once. There are huge mistakes on their numbers but they are not answering my concerns via messaging and are very rude over the phone. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Good morning, I have tried to work with Chase since XX/XX/XXXX to sell my home. The process has been a nightmare. I listed my home inXX/XX/XXXX and finally got an offer in XXXX for $ XXXX. We sent this information into Chase. Chase never sent anyone to do an interior bpo to see the property and relied on an exterior value of $ XXXX. They of course instead of doing their due diligence, just countered the buyer at the unrealistic value. The buyer walked of course in XXXX. I had to relist the home again. This time we got an offer inXX/XX/XXXXand once again sent it into Chase with the request to do an interior valuation as this offer was {$100000.00}. Once again Chase relied on the {$170000.00} valuation, so my agent sent in a dispute package XX/XX/XXXX. Chase shut down my file. We had to escalate the file and reopen my case with Chase and push to get a new valuation. Chase finally consented and a value of $ XXXX came in. We asked to review it. It was bogus. Completely inaccurate not accounting for ANY repairs on the property. On XX/XX/XXXX XXXX XXXX from the executive office sent a message to loss mitigation to re-review and open my case. On XX/XX/XXXX XXXX said they were reviewing appraisal and we needed a certified bid from contractor which we sent in on XX/XX/XXXX, but Chase refused to open the file and cancel the auction slated. I filed bankruptcy. My buyer has been patient and said they would wait until the bankruptcy was finalized. We resent in my file with request for Chase to do a NEW interior valuation and take into account the repairs necessary on my property this year. This has been a long and tough road. Everything was into Chase at the beginning of this year and now they are refusing to review the file. My buyer has patiently waited for Chase to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX has stolen my XXXX check out of my wells fargo account for 3 months now and due to this I'm now 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 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased furniture from XXXX XXXX  in 2016 and was made to understand i was getting an interest free loan from XXXX for 24 months. I was told it was a promo to encourage customers to purchase furniture. I signed up to this loan and the lender was synchrony bank. To my surprise i recently discovered when i wanted to pay off the loan that it was a 12 months promo and that most of my last years monthly payment went to interest. I want you to kindly investigate this. I am happy to pay off the loan today, but i want a fair closing amount. I owe XXXX presently on a XXXX principal, that i have paid over {$4000.00} on over the years. Please kindly assist

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 monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank has corresponded with me through mail that my XXXX account is a result of id theft. Yet it is still on my credit report and they are continuously sending me small refund checks for this XXXX account. I want this debt removed from all of my credit reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I got injured by a car accident and the person never paid my medical bill and he was supposed to paid because he hit my car so now the want to charge me the money and I can pay it now because I have an XXXX son and my financial situation is not the best because of that. Please remove it from my credit report because I am trying to buy a house for my child and the other persons are responsible for. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have two bills I have been paying on through portfolio recovery. I spoke with a rep a few months ago and told her I didn't want to receive any notices through mail and wanted email only. She said ok, and all correspondence would be sent through email. I continued to receive mail. I spoke with someone else who wanted to know why I didn't want mail. Through online chat, I spoke with someone who was quite rude and said they had to mail me correspondence per law. However, according to their own website, I can opt in to get electronic correspondence. I have contacted them multiple times stating I wanted electronic correspondence. They never responded to my emails and I am still getting mail after explicitly telling them I did not want mail. 

This has caused me severe mental stress, as everytime the notice is received via mail, my spouse is reminded of my short comings and causes strife in our house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25 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: Nelnet, Inc.
State: MD

Complaint narrative:
Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I paid off loan received pink slip i paid over 7600 in interest on a XXXX title loan they put me as a charge off on my credit report this company is nothing more than extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: TN

Complaint narrative:
Hello, My student loans were purchased by the loaner servicer called ACS Education Services, then soon after they changed their name to Conduent. I have been trying repeatedly to make my loan payment but their website says it it temporarily unavailable and has been like this for a week and their phone number is out of service. I have never missed a payment or been late in almost 17 years. Now I can not make my payment because I can not get in touch with the ACS/Conduent company that is supposed to be my loan servicer. Online there are thousands of people with this same problem. Please help resolve this situation before my and many other peoples credit scores are damaged through the incompetence of this company. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern I ahve received a letter from Wells Fargo informing me that as of XX/XX/2019 : : The servicing of your mortgage is being transferred to XXXX XXXX XXXX XXXX without my conc ern, due process or input.I do not kow anything about this company and no information has been made available by the transferring entity, Wells Fargo Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia

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