vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Account XXXX My father leased a XXXX XXXX 2014 from Chase Auto Finance. I have received at least XXXX collection calls started off explaining they were calling with the intent to collect a debt. I explained to them more than once that I am not my father, and they do not have the right to attempt to collect from me. They have called multiple times.. 

In addition to attempting to collect from ME, they are also refusing to validate the debt to my father. My father has requested countless time to see proof of an extra {$3600.00} in repairs that Chase Auto Finance is claiming they paid. Chase is refusing to send proof that they paid this price for the repair. The damages to the vehicle were nowhere near {$3600.00}. My father has requested a copy of the invoices paid by Chase adding up to {$3600.00}. They have repeatedly told my father they have no obligation to validate the debt properly, and instead, are deciding to send a bill issued by Chase in response to all attempts to have proof of repair costs delivered. No proof of {$3600.00} in damages have been shown. 

My father has requested a written letter with a due date on it, showing when the payments are due by. Chase Auto Finance told my father " XX/XX/XXXX '' " XX/XX/XXXX '' and " XX/XX/XXXX '' all on the same day. Nobody at Chase is being held accountable. We are attempting to work WITH chase to come to a fair resolution. I believe Chase has falsified the damage report and associated costs, and they're intimidating us by refusing to give us a date to pay by or allow us to make payment arrangements. 

I plan to sue Chase Auto Finance on behalf of my father in the event that proof of damages are not shown, or the excessive damages reduced by XXXX {$800.00}. Chase is engaging in unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TFS agreed to remove inaccurate 60d late credit mark from my credit report. I'm a first time home buyer and notified TFS that I need them to remove inaccurate 60d late credit mark from my credit report as soon as possible in order to get better mortgage rate. I have pulled my XXXX credit report today, on XX/XX/2018 and inaccurate 60d late credit mark is still on my report. I have already purchased my first house onXX/XX/06/2018 and this inaccurate 60d late credit mark negatively affected my mortgage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with. As you questioned, yes Ive attempted to rectify the issue on my own by XXXX ) requested validation via the credit reporting agencies directly on XXXX XXXX via fax to XXXX which I called Customer Service to confirm it's accuracy and received delivery confirmation ( also attached ) ... the responses I received were verified for some, XXXX  made it a point to remove XXXX XXXX as well as XXXX XXXX as its clear this is inaccurate because they are both one in the same ( Ive also contacted them directly, havent heard anything back from either as yet ) except for Experian who is just now responding on XX/XX/XXXX ( as per their letter which is attached for your reference ) and I believe this response is only in response to my XX/XX/XXXX follow up ( sent by mail certified which was delivered XXXX XXXX ) to them not responding to my initial letter on XX/XX/XXXX ( more than 30 days ago which I thought was the amount of time they had to respond ). 
Their response ( you can find attached ) for 2 of the accounts in question, one being XXXX which I also have filed a complaint with you all under COMPLAINT # XXXX states that Ive already disputed this account and creditor confirmed it was accurate however, Im asking for VALIDATION of the debts listed not just the creditor saying its accurate. Correct me if Im wrong but this is not the same thing. Please assist. 
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 non-monetary relief
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
I have disputed this account multiple times with Experian and they refuse to investigate. This XXXX account does not belong to me, and I have confirmed multiple times that the date of first delinquency was back in 2010, but it has been continually re-reported as a later date. It is now over XXXX XXXX XXXX and Experian refuses to correct or remove this now obsolete account that does not even belong to 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 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have qualified for a {$400.00} bonus on my account but have not been credited for that amount.

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 2018-09-14 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: OH

Complaint narrative:
Hi, Mi name is XXXX XXXX I'm a single mother of XXXX  in need of help. 
I attended XXXX XXXX College around XX/XX/2009 in XXXX Ohio which has since closed. I was attending XXXX XXXX College to obtain my GED unknowing that I would be charged student loans for the GED classes. I was made aware that I should not be charged to take my GED class however, I started receiving bills for student loans that I should not have gotten because did not still do not have my GED at this time. In addition the school has closed and I was charged {$7200.00} for 21 days in attendance from Navient. I have disputed this several time without any success. I hope your origination can help solve this matter. because this matter is preventing me for purchasing a home for my family Thank you for looking in this matter for me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I am writing to you on the advice of XXXX XXXX XXXX 's XXXX with the hope that you can help me. I basically, through my lawyer, XXXX XXXX have been trying to avoid Foreclosure and am still in Mediation with NationStar/Mr. Cooper and have turned down there Modification offers of {$1900.00} and {$1900.00}. The original Mortgage payment was {$2200.00} on a mortgage of approximately {$310000.00}, this makes the modification {$270.00} and {$300.00}. I lost my husband on XX/XX/2015 and my income was cut in half so I was not able to afford the then current mortgage payment of {$2200.00} and also can not afford the two modification amounts of {$1900.00} or {$1900.00}. I feel that Nationstar/Mr. Cooper should make the modification offer one that would enable me to pay the mortgage and stay in my home of 25 years. That being said, my husband and I paid our mortgage on this home on time for 22 years. My now having turned down these offers and these, according to XXXX XXXX, being the only offers Nationstar/Mr Cooper will make, my lawyer has now initiated a " Short Sale '' pricing the home at {$150000.00} and an offer has been made. ( If I were paying a mortgage on my home being accessed at {$150000.00}, the mortgage payment with 20 % down would be approximately {$880.00}. ) The offer has been made by my neighbor and she would like to rent my home to me for a couple of years pending the marriage of XXXX of her daughters, she lives in the house next door and grew up there and her XXXX lives in the house on the other side which was her Grandmother 's home. I am asking Nationstar/Mr.Cooper to waive the " Arms Length '' Affadavit so that if the sale should be accepted that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nationstar/Mr. Cooper refuses to do this. I am XXXX XXXX XXXX on a very limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rents in this area are very expensive and I don't have the funds to move a great distance, I also have four elderly cats and a lot of rentals don't take cats. I am doing everything I can to stay in my home of 25 years and need help. Thanking you so much for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a fraud account. I have a police report regarding this account. It has been deem fraud and deleted. Somehow another debt collector has the same report and now they are reporting. It was deleted when it was receivable performance now the same debt is being reported by XXXX XXXX. This is fraud and needs to be removed imeditally.

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 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: KY

Complaint narrative:
In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.

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 2018-09-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/XXXX ; I AM/WAS HOMELESS WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX SHELTERS. BACK IN XXXX OF XXXX ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX   AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX AND XXXX AND THEY BOTH DELETED THE INQUIRY, BUT XXXX  IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX  AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX ''. THE ONLY ACCOUNT THEY CLAIM TO HAVE THAT MATCHES MY SOCIAL SECURITY NUMBER IS FROM XX/XX/XXXX. 

THANK YOU,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I used Money Gram to transfer an amount of Money to XXXX XXXX this transaction was successful got a reference # on my end ; however on the other end my receiver couldn't get the money after going to 5 different banks since the amount exceed their limits ; after speaking with Money Gram 6 different times they only solution they gave me is it for ME to cancel ( which I don't want ) this transaction and wait up to 10 business days to get it back, they can not do their service and now I have to wait for my own money and I can not dispute the charges as well since this transaction shows under " processing '' this is frustrating and unreal they should refund customers money it right away since they can not fulfill and complete their service and the only reason we use this company. PLEASE BEWARE or their ' '' SERVICES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of 2015 before the sheriff sale, wells fargo gave a cleaning permission to break into my house. The company XXXX XXXX XXXX XXXX XXXX il stole all of my electronics and furniture. I made a police report and contacted the bank. The bank then told me they would compensate mr . They never did. They bank also assured me {$3000.00} in relocation monies if I did not destroy the house or take the appliances. We left the house in very good condition. The bank sold the house for {$50000.00} more than I owed and left my family out on the street with no relocation money. Then they are reporting that i owe them on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: FL

Complaint narrative:
I was offered a modification on my mortgage with XXXX XXXX. I had to make XXXX trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX XXXX  reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.

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 2018-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: ME

Complaint narrative:
Back in XX/XX/2018, I spoke with a nelnet rep. They gave me a new repayment plan which was to begin on XX/XX/2018. They also told me I would get a Admin. Forbearance which meant that my account would be come current and up to date and allow time for my monthly billing statement to be sent to be before my first payment of my new repayment plan is due. Then I check my credit report in XX/XX/2018 and see that I have XXXX, XXXX, XXXX, & XXXX late fees on my report. I emailed them, faxed them and they refused to remove my remarks. They told me I was out of forbearances. So why didnt they tell me that back in XXXX. Anyways, again I checked my nelnet account online yesterday and I see they have updated my account with a new repayment plan of XX/XX/2018, which is fine, but they also gave me a Admin Forbearance, which is what I thought I was getting back in XXXX. I feel they are trying to make up for what they didnt do in XXXX. I am thankful they did this for me, but its a little to late for my credit report. I am gladly accepting this new repayment plan, but why was this not put into place back in XXXX. I feel that they made this mistake and not changed my information back in XXXX which lead to late payments on my report. If I was out of forbearances back in XXXX then why did they give me on in XXXX? Do you see what Im getting at? I think they just never changed anything to my account in XXXX and thats how the late fees came about. All Im asking is for these to be removed and make my account up to date and current. Because it was not my fault. I am keeping my payment arrangement the way it is now, but want those XXXX XXXX XXXX and XXXX updated. I also got an email from them : To dispute this further, you must file a credit dispute directly with the XXXX XXXX Agencies. Nelnet and the XXXX XXXX Agencies will then work together to investigate your dispute. Below is the contact information for each of the XXXX XXXX Agencies : then gave me the credit reporting information. 

If I file with the reporting agencies, I dont think anything will happen because they will still refuse to change this, even though its not my fault. So this seem like a waste of time. 
I have tried doing this but nelnet just keeps saying its accurate. Its only accurate because they never updated the admin forbearance on my account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2018 Inquire on credit report. XXXX XXXX No amount reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Good morning. DCI agreed to a settlement to remove an item from my credit report. I have paid the settlement amount but the company did not remove it from my credit report as agreed. 

I have contacted them multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Shell Point Mortgage services this account now owned by XXXX XXXX XXXX in Delaware. 
When calling into their service # ( XXXX ) XXXX you can not pay towards your principal balance only the balance or interest payment. When I have held for their associates and attempted to pay towards my principal it does not get applied to the principal and is logged in as partial payment, XX/XX/2018 I called into pay {$270.00} but only {$240.00} was taken by the Shell Point associate, I started getting collections calls even though they state to me due to my Bankruptcy they are not collecting the debt? I called back XX/XX/2018 to pay the additional {$30.00} to find out the {$8.00} was not applied to my principal and this is not first time this has happened. I called XX/XX/18 spoke to two different Shell Point Associates who stated it was my fault and refused to transfer me to a manager. The two calls took place around XXXX XXXX CST. I was just left on hold or transfer back to hold que each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation