vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service
State: CA

Complaint narrative:
California Account Services has been trying to collect alleged medical debt from me since XXXX for multiple accounts and there are still XXXX remaining on my credit report. Notification was never provided in accordance with state and federal laws. According to the Fair Credit Reporting Act, Collection Agency Accounts can only remain on a persons credit file for 7 years from the date of first delinquency. Although California Account Services purchased the collection accounts in XXXX, they are both too old to remain on my credit report. 
Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX : Date Assigned to Agency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX Date Assigned to Agency : XX/XX/XXXX Account Ending # XXXX is too old to still be listed on my credit file. 
Account Ending # XXXX needs to be removed on XX/XX/XXXX Creditor refused to assist and told me to hire an attorney to resolve these issues. Without explanation they are charging additional fees each month regardless of the fact that I have reported the egregious activity several times in the past XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credimatico LLC
State: TX

Complaint narrative:
Senor Dinero has illegally and unethically repeatedly withdrawn money from my bank account. I have written them several times revoking XXXX  authorization because the loan is paid but they continue to do so. 

I've also asked them to cease and desist and to not contact me. However ; they are continuing to harrass me via phone, email, and have contacted my relatives and associates in an effort to embarrass me. 

They do not follow Debt Collection Laws and should be out of business

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 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Mortgage with Wells Fargo A/C # XXXX I purchased my house during initial stage and Covid pandemic and I got good deal on it. 
Since then home prices sky rocketed in my neighborhood and my house has appreciated significantly. 

I asked mortgage lender to review PMI and they sent me letter dated XX/XX/2021 and gave me two options to apprise the house to show LTV ratio to 80 % I followed broker appraisal and since house has been appreciated so much, the LTV ratio is close 60 %. 

However, lender is unwilling to remove PMI and wants me to show significant improvements to home. This seems ridiculous because technically I have more than 30 % stake in the house. The clause of significant improvements is an excuse for the lender to guarantee PMI money stream for long period. 

Besides, I have excellent credit score and never missed a payment.

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 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been in Repayment of Federal Student loans ( see attached ) Through XXXX  servicing since XXXX. After 7 years of repayment I called to discuss PSLF opportunity and was told to consolidate my loans. I'm being told that since my loans were consolidated between unsubsidized and subsidized loans and when they were transferred to FedLoan in XXXX it reset my counts because I consolidated " new loans ''. This makes me ineligible for TEPSLF. I have an issue with this because I have had consolidated loans since XXXX and have not taken out new loans nor was I notified that this would reset my PSLF payments for the entire balance ( not just subsidized vs unsubsidized ). Had I known that information, I would not have reconsolidated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello there and thank you for helping out, I wanted to reach out because I have a XXXX XXXX and have not been able to make a payment on my Apple Card. I tried to login however my XXXX  ID is locked out and in recovery mode and I have not been able to make a payment because of it. 

I never got a phone call, email to my XXXX regarding any lates or delinquencies, Ive NEVER been late ever on my accounts and this is surprising!! 

XXXX never sends any physical statements so how on Earth would I know Im late? I didnt get anything in the mail stating I was late or past due. 

I cant even login and attempted to make a payment on the phone as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation
State: PA

Complaint narrative:
I graduated from XXXX XXXX University in XX/XX/2018 with my XXXX XXXX. Upon graduation and after the grace period, loans become due of course. Many of my loans were thru XXXX XXXX. I could not afford {$300.00} payments each month on multiple loans and called into the loan servicer. I was advised to consolidate and was walked thru the application until submission. I work in XXXX XXXX  ( XXXX ) and have been making all payments towards XXXX. I am now being told XXXX XXXX gave me a private loan that is not a direct consolidation and none of my payments will count towards anything. I had called and sought relief and help. I was ill advised and want know what options are available to me so I am not stuck in this debt I had no clue would be ineligible for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this

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 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
In response to LOANCARE, LLCs correspondence dated XX/XX/2021 ( see attached ), the information they provided is still incorrect. Loancare does not keep accurate book keeping or accounting. My issue has still not been resolved. Loancare stated that my escrow account is short by {$1500.00}. 

On XX/XX/2021, I made a payment of {$2800.00} ( see attachment ), which LOANCARE did not apply to my account. The payment is sitting there because their system was not properly updated with my correct mortgage amount due monthly. Because of their slothfulness in updating their systems, it has caused the payment to not apply. Again, on XX/XX/2021, I made a payment of {$2800.00}, which LOANCARE has not applied to my account. The funds were deducted from my XXXX bank  account on XX/XX/2021 ( see attachment ). Also, on XX/XX/2021, LOANCARE sent me an Escrow CHECK for {$5800.00} ( see attachments ). In the correspondence dated XX/XX/2021, they stated that I am short in escrow by {$1500.00}. LOANCARE shouldve never sent me a check for {$5800.00} if I would be short in my escrow. My payment should be {$2800.00}. It should not be {$2.00}, XXXX. Again, LOANCARE should be shut down for the mishandling of several hardworking Americans mortgage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I bought 2 tickets to the XXXX XXXX : The Immersive Experience for {$120.00}. I assumed it was through a company called XXXX XXXX. However, the company was actually called Fever using the name XXXX. Multiple news outlets have reported that fraudulent ways XXXX have misled customers. 

I tried to reach out to the company and did not hear back. I also tried to dispute with the credit card company and did not get an affirmative resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$3400.00} // Late Open DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$4400.00} // Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: FL

Complaint narrative:
I received a letter dated XX/XX/2021 from this company called CKS Financial trying to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$630.00}. Per the letter, they advised that I had 30 days to dispute the validity of the debt. I mailed a response to CKS Financial on XX/XX/2021 requesting that they provide me with proper validation of this unrecognized debt. 

Based upon the information contained in their letter, and my lackof knowledge of an established business relationship, and or obligation withthis company, the alleged debt was disputed in its entirety, including all amounts alleged to be due and owing. 

To my surprise, when I refreshed my credit report today, XX/XX/2021, I see that CKS XXXX XXXX is now reporting on my credit reports across the 3 bureaus! On top of that, they listed a date of last activity of XX/XX/2021. How could their possibly be any activity on an account for which I have no knowledge of and that I have yet to receive any documents to validate this debt? 

How can this company send me a bill to my home and ask that I can request verification of the debt and when I do, not only did I not receive a response but the account was added to my credit report causing further damage to my credit and putting tremendous stress on me because it is hindering my ability to apply for new lines of credit. 

I am including all of my communication with CKS Financial, including the letter they sent to notify me of this debt and my response to them informing them that I dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021 we purchased a car from XXXX in XXXX. Then on XX/XX/2021 we went to Randolph Brooks Federal Credit Union ( RBFCU ) to refinance the loan. Now two months later, RBFCU has never paid off the XXXX loan. Both XXXX and RBFCU hold an open loan on the same car & both demand car payments from us for the same car! ( yes, in order to protect our credit, we have made car payments to both XXXX RBFCU! ) Neither XXXX nor RBFCU will resolve the situation ; both blame the other for keeping their loan active.

Then last night RBFCU called and told us they were backing out of the loan because they had processed the wrong kind of loan ( new car loan rather than refinance loan ). However, today they will not close the loan until they get a close letter from XXXX nor will they refund the car payment we made to them on XX/XX/2021 in the amount of {$560.00}. 
So were back in the middle between XXXX and RBFCU.

How can both require us to make payments on the same car?!!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested an official direct transfer of my IRA from SunTrust to my IRA at the credit union. This request clearly indicated transfer to be done on the day of maturity, since it was an IRA CD. SunTrust send a check payable to my IRA with credit union a few days before the maturity. My Credit union received and tried to deposit money to my IRA. However for some reason SunTrust withdrew the money back and my credit union was not able to clear the check from SunTrust. Now I don't know where my IRA money is. It is absolutely unacceptable, particularly with the IRA money. Manager from the SunTrust branch in XXXX, I went to for help, told me to wait for SunTrust to figure out how they will correct their mistake. I called SunTrust customer support several times and did not get any explanation of why the check was not cleared. 
I am very unhappy and don't know what to do next and I need help.

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 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I had XXXX XXXX  they gave forebode credit never told me that to get back to my regular mortgage I would have to to pay all the missed payments. Its like XXXX dollars all at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My Son applied for loans to enter XXXX XXXX in XXXX IL. In the process he signed up electronically while he was in High School, age XXXX. He is now almost XXXX!! Then, XXXX XXXX, approved him to go. The problem is, I was set up fraudulently to be a cosigner or owner of this loan. It is on my credit and they want me to pay. I believe my Son set up a cosigner/owner account and charged or incurred {$38000.00} in debt in one year at college. I did not even have proper income or give authorization for this debt. I filed a fraud report, and police report. Because XXXX XXXX was bought out by Navieat, they had no proof Because everything was signed electronically. I want to hire a lawyer but I don't know what to do. I saw an article that claims you are suing them already for these types of reasons. I haven't had a job in 7 years, never made payments. I tried through XXXX XXXX to file fraudulent accounts but it keeps being sent back. My Son, is XXXX years old, and has medical issues. He is still attending college at another college, in Illinois, and I have no idea how. I refuse to pay this bill ever. I owe less on my home, than I do on his 1 year at XXXX XXXX XXXX XXXX. Can you please help me?? I have all the copies of everything I tried to file years ago. This has caused me so much XXXX, I have to be on medication now, and my Son says he would try to help but doesn't know how to get it under his name. We don't even know how the charges got this high in 1 year!!! It should be or is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: UT

Complaint narrative:
This has been a nightmare. I applied with Better Mortgage over a month ago. They put incorrect numbers on the loan estimate and I have asked them to fix it severa times. They have the incorrect loan amount, HOA, insurance, taxes, title and cash to close. How hard is it to put the right loan amount??? They didnt even calculate my DTI right so I had to call and get that fixed. At one point I gave up and went to another lender. XXXX XXXX reached out to me and assured me he was working on it and would ensure that everything was fixed. He also offered to apply an incentive to make up for the damage to my credit caused by having to let another lender pull my credit since Better could not seem to get things together. Two weeks later and nothing is fixed on the loan estimate. I have asked REPEATEDLY if were moving forward on the loan or not. I keep getting told that theyll be able to give me an answer in one more day and then its one more thing they need and then one more day, etc. we are now 2 weeks from closing and I dont even know if the loan is approved but its too late for me to go somewhere else!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with LendingPoint/ XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX XXXX/ Lending Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX LendingPoint also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.

Company response to consumer: Closed with explanation