vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: MA

Complaint narrative:
I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXX they would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXX they would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX  of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NV

Complaint narrative:
The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.

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 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX  a 3rd party collections agency ( XXXX  ) XXXX   When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX   sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX  county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called chase bank couple times and see if they can add my XXXX XXXX rewards credit card back onto my XXXX  report so far no answer and it still hasnt added back to my report and its hurting my credit score and I dont want lose my other credit cards and have my score to be in a bad credit status and no one is able to added back I never called in to XXXX and reported this account fraud or request a fraud block on my chase account ending XXXX and my current credit score is XXXX and that not good at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Coming to my home harassing pregnant wife

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 2019-01-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears Master Card - {$1000.00} They closed the credit card completely was current on payments.

Sears Card - {$250.00} They closed the credit card completely was current on payments.

XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments.

XXXX XXXX - $ -XXXX- They closed the credit card completely was current on payments.

XXXX - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open.

Home Depot - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.

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 2019-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I was approved for both Spring & Fall semesters when I applied XX/XX/2018. I am approved and the current status if 'certifying with school '. The financial aid department claims that they can not find the loan from XXXX, while XXXX states there's nothing they can do and to speak with the school. It is very frustrating the be in a circular loop where each party states the other party is responsible for the next step. I want my loan funded in the amount of {$37000.00} or the cost-of-attendance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: MAJR Financial Corp
State: TN

Complaint narrative:
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX  hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account MAJR FINANCIAL CORPO showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed onXX/XX/XXXXXXXX XXXX XXXX. this account went to collection. opened XX/XX/XXXX. not mine XXXX openedXX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine

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 2019-01-14 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: UT

Complaint narrative:
I've been battling with this and been trying since XX/XX/XXXX to XX/XX/XXXX to have this loan removed by Navient. I've called to complain about a loan they said I owe. I called an asked for proof I signed for it an was told they can't provide me with a note instead they mailed me a receipt with the amount I owe which is {$15000.00}. It was less back then an it just kept going up. I didn't want on my credit as negative so put it in deferral to prevent my credit from going bad or having my income tax return taken.I disputed with all three credit bureaus an was told this was accurate an they submitted information but I have yet to see anything. I'm asking for proof that's all period. If they can't this company needs to remove it, including all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: TN

Complaint narrative:
Identity Theft Bankruptcy XX/XX/2013 error. not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX Master Card - {$1000.00} They closed the credit card completely was current on payments.

XXXX Card - {$250.00} They closed the credit card completely was current on payments. XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments. Lowe 's - $ -XXXX- They closed the credit card completely was current on payments.

Wal-Mart - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open. XXXX XXXX - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.

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 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
XX/XX/2018 - I was provided a link to a website to pay for an appraisal. I paid {$830.00} to appraisal service.

XX/XX/2018 - Appraiser came to home I have repeatedly called appraiser company asking for a copy of the appraisal and I have been told I must obtain that through Ally. I have repeated emailed and called loan officer Ally who states that the loan is still being worked on and will not provide me a copy of the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current Wal Mart {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days.

XXXX Credit {$600.00} Closed acct was less than 30 days late when closed.

XXXX Master Card Credit {$1200.00} closed acct was current.

XXXX Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX Mastercard {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My checking Line of Credit product is overdrawn. Upon the payment coming overdue by 1 day, the institution took all funds out of my checking account automatically and applied it to the overdrawn balance. A week later my military paycheck deposited into my checking account and every penny was immediately transferred toward the balance as well, automatically. I contacted the institution and they informed me they refuse to reverse the transfers and that any money in the account will be automatically transferred until the balance is satisfied. This is, in effect, garnishing my wages and also caused approximately 35 NSF fees totally ~ {$750.00} because they will not allow me to deposit funds to cover these payments. I am in touch with an attorney and prepared to take this matter to court for the full amount of any debts with the institution with additional funds for the financial stress and credit damage that this has caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: NY

Complaint narrative:
I received a letter from P & B Capital Group , LLC regarding a debt in which they say is mine but can not prove. So I sent a certified letter declaring that they cease all communication. I inserted the letter below. And still they keep calling me asking me about this matter. They also reported it to the credit bureaus. They are in strict violation here and have to remove any information from my credit reports and stop harassing me over the phone. 

Letter sent to the Company in question ; XX/XX/2018 P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : [ File # ***** ] To Whom It May Concern : I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, as well as other federal and District of Columbia laws and/or New York State laws.

Please be aware that, I am judgement proof, my income is free and exempt from distraint, attachment, levy, or seizure and sale on execution or decree of any court in the District of Columbia and/or New York State because it is from : Social  Security ( XXXX/SSI ) I request that you cease all written and verbal communication with me. I am aware that if you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I may contact legal counsel if you violate my FDCPA rights. This letter is not meant in any way to be an acknowledgment that I owe this money. A certified letter will follow this letter. Thank you for your cooperation. 

Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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