vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I checked my credit report and noticed that ICS System was reporting on my credit report. I never received a notice about the debt or given the opportunity to dispute. When I contacted the company one representative could not locate a letter that should've been sent to me. They drafted a letter to send to me after i called. I sent a certified letter on XX/XX/XXXX to them requesting more information and I never received a response. from them. They placed the items on my credit report initially without notifying me in advance and giving me the opportunity to dispute ;.

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 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I took out a {$100.00} loan from Check Smart on XXXX XXXX in XXXX Ohio in late XX/XX/XXXX/early XXXX.My first loan payment was to be made in the month of XXXX. I was unable to make the payment and was contacted by the corporate office to make arrangements. I agreed to pay the amount of the loan in full on XX/XX/XXXX. Although these arrangements had been made, I continued to receive calls from the local store where the loan originated. The most frequent calls were made to my place of employment despite the fact I requested my employer not be contacted. 

I was kept on hold for an excessive time on XX/XX/XXXX and was not able to make the payment. The morning of XX/XX/XXXX, an employee at the local Check Smart called me to ask about the payment. I told her I had already made arrangements with the corporate office and would be calling today to make the payment. The employee asked that I come into the local office to make the payment. I explained that I was at work and could not come in at this time, however the corporate office stated the matter could be taken care of via phone call. The employee then stated, " I know you aren't at work. I called your place of work this morning and was told you weren't there. '' I explained that I do work offsite and that is why I wasn't in the building today. The employee wanted to argue with me that I wasn't at work and accused me of lying. I then reminded her that I had requested not to contacted at work as I am a XXXX XXXX in a XXXX XXXX XXXX for XXXX XXXX XXXX and was not able to take personal calls. The employee stated, " I will continue to call until this matter is taken care of. Make a payment and I will stop calling. '' I explained to the employee that is does go against my rights as a consumer and I felt she was being harassing. Her reply again was, " Well make a payment and I will stop calling. I will note not to call you at work but we will continue to call until this is taken care of. '' The employee then hung up and ended the call without a formal goodbye or any type of resolution. I should mention that Check Smart did disclose to my employer that they were trying to collect a payment on a defaulted loan. This was humiliating as a professional. 

Immediately following this call, I contacted the corporate office and paid off the loan in full, as promised. I was told the calls were being recorded for quality assurance purposes. The company should be in possession of a recording of these conversations and it should serve as proof that the above encounter did occur and the employee at the local Check Smart needs further training on Fair Debt Collection Practices as well as customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Mohela withdraws funds from student borrowers when they are not due. I raised this complaint in complaint number XXXX. Mohela intentionally misled the XXXX by responding that it has never automatically withdrew funds from me : " To date, MOHELA has not processed an automatic payment through your bank account ... '' See Mohela 's response dated XXXX XX/XX/XXXX and attached here. That is simply not true. 

On XX/XX/XXXX, Mohela withdrew the following sum. Note that {$580.00} went to principal. Clearly, this payment was not due. Mohela withdrew money that was not presently owed. When this practice was reported to the XXXX, Mohela intentionally misled the XXXX about its practices. 

XX/XX/XXXX {$590.00} {$580.00} {$9.00} {$0.00} N/A Details Bank Account : N/A Payment Source : Auto Pay Loan # Loan Type Amount Applied to Principal Applied to Interest Applied to Fees Bill Satisfied 1 XXXX-Refi 15 Year Term {$590.00} {$580.00} {$9.00} {$0.00} A more thorough investigation is in order as Mohela can not be trusted to accurately report it practices. These corrupt, unethical, and possibly illegal practices by student loan providers must cease.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
I did a application with a bank and they told me I had something negative on my report. It showed up as PMAB LLC out of XXXX NC and I had no idea who that was so I disputed with the three bureaus XXXX, XXXX, and XXXX. Since that time my ex-fiance told me she thinks this is a company who sent something after I had a XXXX about a bill, She showed me where she wrote to them asking for proof this bill was owed before it was paid because this bill isnt showing up like all my other bills thru my insurance company. I just want someone to verify the bill is legit like she wrote them and asked for and I will pay the bill and I want it removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I had a lease with Nissan. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
Nissan was paid by my insurance company XXXX. When Nissan close the account they listed a remark early termination balance owning. I contacted Nissan to get this corrected and I disputed with the credit XXXX, XXXX and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to Nissan. Everything was paid off including property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a loan modification contract with XXXX  XXXX XXXX. Pursuant to the terms of the contract, the interest rate would increased on XX/XX/XXXX. We received notices from the current loan servicer Select Portfolio Servicing as to the rate increase and that we should take the opportunity to apply for a loan modification. Select Porfolio did not process the loan modification in good faith, thus engaging in Floridas deceptive business practices. The payments increased to {$1600.00}, when i ask why such an increase, was told by a representative that was due to not having a previous escrow account. This statement is false i have attached a copy of the mortgage statement for your records that proves that the account always has maintain an escrows, in fact since the loan originated. In addition According the mortgage statement for XX/XX/XXXX reflects a monthly due of {$800.00}. Then suddenly the mortgage statement for XX/XX/XXXX reflect that we are behind {$7100.00}. Clearly this a fraud. If on XXXX the amount owed was {$800.00} because was making timely payments i can not possibly owe {$7000.00} the following month. Select Portfolio has inflated the amount owed. Moreover, the loan modification proposal reflects a ballon at the end of the loan in the amount of {$53000.00}, which we are not in arrears such amount. It is obvious that Select portfolio has engaged in deceptive business practices and we ask that you investigate. Select portfolio have increase the loan balance without any justification and this is fraud. At this juncture we will not be sending any future payments until the account is given credit for the fraudulent loan balance increased. On XX/XX/XXXX, we send two Qualified Written Request to select Portfolio Servicing under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The company failed to acknowledge our request within 5 business days and also failed to respond within 20 days of receipt. We are asking select portfolio to respond to this complaint and the qualified written request under RESPA. Select Portfolio must comply with the request under RESPA, its a Federal Law. I am also requesting transaction history in detail from Select Portfolio since the first day servicing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CT

Complaint narrative:
I had a lease with XXXX. The lease was terminated early because the vehicle was total in a accident that I was not a fault for it. It was a hit and run, but driver was located after. 
XXXX was paid by my insurance company XXXX. When XXXX close the account they listed a remark early termination balance owning. I contacted XXXX to get this corrected and I disputed with the credit XXXX, Equifax and XXXX. Nothing has been done to corrected. I was never late or owed any other monies to XXXX. Everything was paid off including property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: IN

Complaint narrative:
There is a hard inquiry on my credit report from a credit card/airline credit card company called Syncb. I  never applied for anything.

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 2019-03-06 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: DE

Complaint narrative:
RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The premise of my ongoing complaint with XXXX XXXX ( a.k.a.,  XXXX, Lender, and/or they ) is that I, XXXX XXXX XXXX, XXXX, am not, nor have ever been, the borrower on the Loan To Learn ( see attached Combined Consolidated Application and Promissory Note ), though they contend, otherwise, without any supporting documentation or legal basis. 

In response, I demand that XXXX acknowledge ( in writing ) my status on this loan as the Student only, that I do not hold any title as a Borrower, and that Im not financially or legally responsible for the  repayment of this note. 

The attached Promissory Note is difficult to read, but is the only copy ( seen to date ) that exists, unless another, clearer, copy can be produced ( which has been requested from the Lender, but has not, yet, been fulfilled ). From it, the following can be extracted : Block # 1 STUDENT section, where all my information is stated. NOTE : No financial or employer information is requested or contained in this block, thus proving my status, and point Block # 2 APPLICANT ( i.e., primary Borrower ) section. My father, XXXX XXXX XXXX, XXXX, completed this section, which included all of his employer and salary details. 
Block # 3 APPLICANT ( i.e., co-Borrower ) section. My mother, XXXX XXXX, completed this section, which included her employer and income details Initials In the lower left portion of the Note, just below the last information box, are clearly only two ( 2 ) sets of initials, representing both Applicants ( Borrowers ). These are the initials of my parents, XXXX and XXXX XXXX Signature Block The most discernable part of the Promissory Note, which most strongly supports my case, is my fathers signature as Applicant # 1, my mothers signature for Applicant # 2, and my signature on the Student line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
While working with Caliber Home Loans for my mortgage servicing, they tend to lack transparency. 

When a change is made to your recurring mortgage payment amount your existing payment is cancelled without notification. There is no email or message that you need to pay the existing payment and that they have cancelled it ( I even reached out via email and received no response ). Eventually you get a call from a debt collector asking you to pay and you get charged a {$3.00} fee for a one-time payment. 

There is also a {$27.00} fee for being late, but you are not notified about this charge as it is rolled into the one time payment. 

They are currently refunding my {$27.00}, but my concern is that unaware users are getting charged late fees with no notification or transparency. Cancelling your existing payment without notification and then charging a late fee is a very concerning business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I am currently enrolled in the PSLF program, having worked full-time for XXXX   XXXX  XXXX XXXX after consolidating my loans toward the 10-year/120 qualifying payments for loan forgiveness. Since my loan was purchased by loan servicer XXXX XXXX XXXX I have put in requests for updated calculations on the qualifying payments I have made ( in total - including the payments I made to prior servicer XXXX ). Over the course of a year, I have been requesting the updated calculations over the phone at XXXX XXXX XXXX. Beginning in XXXX, I was told that my request had been put in and to wait 30-XXXX days, again in XXXX I was told to wait another 30-60 days. We are now in XXXX and I have not received an updated calculation. As I am now nearing the end of my qualifying period, I require an updated calculation. I am receiving as I type the same information and no movement toward calculation of my remaining qualifying payments. Though I have paid for over 6 years and made all my payments, their online tool and their representatives show I have 110 qualifying payments remaining as though I have *only* paid 10. This is very very very incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: MT

Complaint narrative:
XX/XX/2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But XXXX has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! XXXX NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: DE

Complaint narrative:
RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX  XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE

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 2019-03-06 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: DE

Complaint narrative:
RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I disputed an item on my credit report at Experian. The dispute concerned reported late payments on a student loan account with XXXX ( XXXX XXXX XXXX ). The student loan was in deferment untilXX/XX/XXXX, but XXXX reported late payments inXX/XX/XXXXand early XX/XX/XXXX. In support of my dispute, I submitted copies of notices from XXXX approving forbearance for all the periods covered by the supposed late payments. OnXX/XX/XXXX,  XX/XX/XXXX, Experian notified me that the information would not be changed, because XXXX claimed it was correct. The dispute summary made no mention of the attachments I submitted or how they reconciled the discrepancy between those attachments and the claimed late payments. If forbearance was granted, there could be no late payment for a payment that was not due. This late payment report resulted from the XXXX practice of delayed processing of forbearance requests and billing in the interim. When the forbearance is later granted, they do not correct the late payment record.

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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I came into contact with people claiming to be a branch of the XXXX XXXX. The man I talked to identified himself as XXXX XXXX, phone no. XXXX. He claimed that I have been approved for a loan of {$2000.00} and would place the money in my checking account at the Bank of America. However they said that they required my bank account information and they would put some money into my account and if I sent it back, then I would receive the {$2000.00}. They did put over {$1400.00} in my account. I should have realized then but did not know that that they had done it fraudulently by writing checks from companies or organizations that I had dealt with. They told me I had to send the money back using a XXXX XXXX XXXX. Stupidly, I did that, but then they said that something went wrong and I had to do it again. They put more money in my account this time {$1400.00} from a religious organization I belong to. This organization had previously reimbursed me with a check for about {$15.00} from the XXXX XXXX XXXX and that is how the fraudsters had banking information about this organization. At this point, Bank of America suspected fraud and closed my checking and savings accounts. The money in the checking account including the {$1400.00} from the religious organization remains frozen. I have requested that the money be released so that I can return the money to the religious organization. I have informed the legitimate XXXX XXXX that someone impersonated them The XXXX XXXX assured me that they did not know who committed the fraud in their name.

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