vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I was a victim of identity theft fraud and I have filed multiple disputes with this company and the credit bureau, yet it remains on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Since Nationstar did not comply to my previous request, I would like to add to my previous complaint ( XXXX ). Please, se the attached letters. CFPB is welcome to publish them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have loans with Sallie Mae. I attempted college while XXXX to try to get off XXXX. I havd to leave school because of my XXXX. Sallie Mae refuses to do XXXX discharge on my loans. I only draw $ XXXX month. My husband will be retirement age later this year and will retire. We will both then be on fixed incomes. The harassment will not stop even though I had my doctor do XXXX discharge paperwork last year. There is no way I will ever be able to work a job. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: WA

Complaint narrative:
Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives of consumers.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I recently pulled my credit report from Experian and XXXX and to my amazement, I saw credit card companies " XXXX XXXX '' and " XXXX Bank '' on my REPORT! I immediately disputed this information because I have not had a credit card since I filed Bankruptcy and the results of the investigation came back " verified '' and showing an incorrect / old mailing address that I have not lived at since XXXX 2013. I like to know /see what kinds of " records '' that was set up for me under these alleged accounts. So, I may file and report Identity Theft in accordance to the Fair Credit Reporting Act ( FCRA ) and any other Acts as the information furnish does not belong to me and they are required by law to notify me of any insertion of especially negative listings that go into 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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this account was paid on time and never late, but experian is reporting this account negative, please have this negative item removed from my records. i have disputed and wrote letters to experian and also the creditor, please help me to remove the negative item. 
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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has been illegally re-aging both of my student loans. My student loan accounts with XXXX should have been deleted in XX/XX/XXXX. Experian told us that is the date both accounts would be deleted after investigating in XX/XX/XXXX on the deletion date.

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 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.

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 2017-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.

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 2017-02-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!

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 2017-02-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase without my authorization or " hacking '' method redeemed from my Rewards account of XXXX points to give me a statement credit. 

Attempts to get feedback from Chase XXXX Customer Service were met with run around and pass to different focals with no answers. 

" We expect your statement credit to be applied to your account by XXXX/XXXX/17. 

Statement credits will reduce your balance but you are still required to make at least your minimum payment. 

Here 's your order confirmation : Chase previous FAILED to give me {$50.00} credit on chase XXXX XXXX - XXXX which I was pre-authorized to use. 

Order date : XXXX/XXXX/17 Order # : XXXX Total Rewards Used : XXXX Points ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Cancelled debt but failed to reconvey the lien.

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 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: MO

Complaint narrative:
This medical bill of {$100.00} was paid to XXXX XXXX HOSPITAL and this company is ruining my credit with there false reports. It has already been a known fact that this company uses unethical and illegal business practices as a debt collector. Remove this account from my credit as it has been already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. 
I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). 
Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. 
My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I 've called every day for the last 4 days, and spoke with representatives and supervisors ( at least that 's how they identified themselves ) and I 've been told different and sometimes conflicting information each time. Each day the people I 've spoken with give me false information and interest accrues. That is not fair or legal. I 'm trying to settle my account. 

They say the settlement is being sent to their processing department, but when I call the next day to make sure it 's in process they say it was rejected for some different reason, even issues like an invalid email address which is a lie, we have communicated via email! 

They 're giving me the run around and each day charging me more and more money. I just want to pay them but they wo n't provide documentation of the settlement and keep charging me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Risecredit, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX , XXXX is attempting to collect a debt does not belong to me. They continue to send me information trying to verify debt i by a bank account number that is not mine, but also further no signature of mine on any documents. They continue to call and harass me about the debt, and I have asked them to discontinue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed with the credit bureaus a collection from XXXX multiple times, due to the fact I have been unable to obtain any information on the alleged debt. Each time I have gotten the responce that it meets fcra requirements. One XX/XX/2017 I made a cfpb complaint against XXXX. The company was unable or refused to respond, and their information was forwarded to the ftc Consumer Sentinel Network. I am curious how the credit bureaus where able to obtain information from the company when they refused to reply to a federal agency. The cfpb complaint number for XXXX is XXXX.

Company response to consumer: Closed with explanation