vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
Was contacted on XX/XX/XXXX about a debt to an apartment I allegedly owed ; asked them to send written statment of what the bill was for ; they refused stating they already sent one ;  asked which address as I provided a forwarding address to the apartment owners/original creditors ; collection agency provided wrong address ; continually used hostile verbiage to attempt to collect debt including threatening my credit and threatening my ex 's credit Was contacted again on XXXX with the same hostility ; advised them they were calling a number used for work and to not contact me during work hours between XXXX and XXXX Monday through Friday Was contacted on Monday XX/XX/XXXX at XXXX while driving and creditor attempted to convince my to pay debt while driving on the highway ; was called again at XXXX by same creditor ; again at XXXX by same number and again at XXXX by the same number, a total of four times ( as of this writing )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Again I am trying to resolve my mortgage payment issue. I did try calling person listed on the complaint but I have yet to receive a return call. On today I received a letter stating that I have not made my XXXX and XXXX payments and I have. I have letters from my bank confirming monthly payments that have not been returned from XX/XX/2018 - XX/XX/2018. I still do not understand why Pennymac records arent correct. I will attach my bank statement which shows payments and no NSF fees and I have verified with my bank ( XXXX XXXX ) that payment for XXXX and XXXX have cleared. They will be mailing out this information to me within the next 24 hours. I only have a letter from the bank, on bank letterhead that states my XXXX payment was not returned, but paid and cleared. I do not have my XX/XX/2018 bank statement, however I have attached my detailed account summary that clearly shoes the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas   from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is still reporting to XXXX when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to XXXX  showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and XXXX  to small claims for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: AL

Complaint narrative:
XXXX XXXX XXXX is still reporting to Equifax when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to Equifax showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and Equifax to small claims for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: MD

Complaint narrative:
After I graduated college from XXXX University. I couldnt make payments. After a few months I get a phone call saying that they whoever they were worked as a third party for XXXX University to help students get into a payment plan. They only offered forbearance. No other options were given or provided. It sounded kinda weird but I went along with it. Whoever I talked to connected me right to Navient and within a few minutes of the phone call my loans went into forbearance. Well for 3 years this went on! No options for anything other than forbearance was given or provided to me wither by XXXX University 3rd party service provider nor Navient. 3 years of collecting interest. Not even a mention of Income Based Repayment plan. I was basically unemployed the entire time. I still am after 5 years! I was steered into forbearance. I complained to the Department of education they just tell me to work with my servicer, who got me into forbearance! Since then I've defaulted because I defaulted I cant get into IDR. Where does this end? Bankruptcy? Federal court? Department not taking responsibility, the servicers are not taking responsibility. I got into IDR for 1 year even with defaulted student loans! The student loan program is sooo messed up there is no end. 5 years cant afford 1 cent to make a payment all because my servicer NAVIENT and XXXX University steered me into forbearance! Why should I make any repayment! It hasnt gotten me a job! just extreme poverty with no ending in sight! And you guys arent going to do anything but tell me to complain to the department of education. Basically I have been defrauded by NAVIENT and XXXX UNIVERSITY over my education and student loans! To this day I am still being defrauded!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are several unauthorized ATM transactions on my Santander debit card. I tried resolving this over the phone but got disconnected. Im XXXX  so I have to use a relay service. Theyre not always the most reliable. I was able to order my replacement debit card but the claim wasnt filed because I was disconnected and couldnt get back through. So, here are the transactions I need to dispute. In addition to these, there are also many ATM fees associated with the fraudulent transactions. The fraudulent ATM transactions are XX/XX/2018 for {$800.00} and {$180.00} at XXXX XXXX. There are also two pending ATM transactions with a date of XX/XX/2018 for {$500.00} at XXXX XXXX  and {$33.00} at 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 explanation
Consumer complaint received 2018-12-18 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates is still reporting this fraudulent account to XXXX but had deleted from XXXXXXXX XXXX! I have mailed portfolio Recovery a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to XXXX and they told me Portfolio Recovery is still reporting this fraudulent account and XXXX is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on XXXX and Portfolio Recovery! Portfolio has deleted this fraudulent account off of XXXX and XXXX but is still reporting to XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/2018 ... An application for XXXX was requested. This.was not me ... please take off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: AL

Complaint narrative:
XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

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 2018-12-18 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have a personal college loan through HESAA in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the HESSA.org to find that my checking account payment had been bounced back. I immediately file a claim with HESSA and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current.

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a personal college loan through XXXX in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the XXXX  to find that my checking account payment had been bounced back. I immediately file a claim with XXXX and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current. 

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is the servicer on my mortgage loan, but it is clear that the only services they are providing is servicing their best interests and keeping me from obtaining mortgage assistance. I was given a loan modification that only dropped my payment about {$100.00} per month and did absolutely nothing to help my circumstances. I was able to make my first two mortgage payments on a trial basis and only did so because Wells Fargo gave me the impression that they would work with me to lower my payment once I was out of the trial period. I was still struggling since the modification payments really didnt help and I was kicked out of the trial program for being one day late on my final trial payment.

After I missed that payment they refused to work with me on any type of assistance. They would not have any constructive discussions with me and held my final trial check for over a year and a half and left me in limbo. Now that this has gone on for another two years, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road and now I will more than likely lose my home through foreclosure. 
Also, they have been serving my family members foreclosure documents at their home address! This is an extreme case of violation of privacy and I believe they have broken laws in the process. I definitely want this looked into as they have not only failed to work with me, but now have cause extreme embarrassment to me and my family. I have done a lot of research on the way they treat homeowners and it appears that Wells Fargo is now in the business of taking homes away instead of providing help for homeowners. We gave them {$35.00} XXXX to bail them out and they have turned their backs on me and apparently a lot of other homeowners. I read that they recently admitted to allowing over 500 homes to be lost through foreclosure due to their defective process. We should have never bailed them out and would have been better off if they failed. I make plenty of money now and can afford my payment, but there is a serious disconnect with how Wells Fargo believes how things should happen and reality. They still send me form letters all the time advising they can help, but never do. I hope your agency can go after them on my behalf and get them to correct my loan issues.

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 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANFORD & ADAMS, Attorneys at Law PLLC
State: MS

Complaint narrative:
XXXX XXXX is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called Sanford and Adams in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. XXXX currently has a lawsuit against them relates to outrageous overdraft fees!

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

Company response to consumer: Closed with explanation