vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXCredit Bureaus ( ExperianXXXX ) To whom it may concern : I sent a certify letter back in XX/XX/XXXX requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file. <P/>XXXX XXXX ( Signature Loan ) XXXX Verification of 13 late payment on : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( Auto Loan ) XXXX Verification of 19 late payment on : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late  payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, Thank you XXXX XXXX

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 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.

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 2017-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I submitted a payment via mail  to Navient o  n  X/XX/17 . The paym ent amount was   XXXX   XXXX    which was  in money order from.   To date which is   XX/XX/17 ,  Navient has still not processed my payment. I think there is a deliberate action to delay payments posted to accts to further build late fees. its been more th an 2 weeks and they payment still has not been processed. This is not the 1st time that this has happened with  my acccount. It has happened on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I sent  XXXX  certified letters on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ( letters enclosed ) to NELNET asking for an updated balance and the original instrument of indebtedness in its original form to ensure the amount reported to the credit agencies are correct. To date, I have not received the original document of indebtedness and request your assistance to remedy this situation. By law, NELNET is required to provide me with the original instrument of indebtedness in  its original form to verify the charges on my credit report are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below :   XXXX    days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: FL

Complaint narrative:
The past few months XXXX 2017 through current, I have made formal disputes regarding Navient inaccurately reporting a debt they claim I owe. I am disputing the debt amount. Navient claims that I owe a loan balance of roughly $ 220k, but they ca n't find the consolidation documents that XXXX XXXX sent to them nor the Master Promissory Note to justify the balance. Navient referred me to NSLDS to find loan amount details and to XXXX for the MPN that they should have on file. Well, I do n't trust the info on NSLDS because Navient is reporting this information to NSLDS and the credit bureaus without proper evidential support. Even so, when I look onto NSLDS and perform the calculations it seems as though some loans were be consolidated twice and some loans that were not paid through consolidation are also being included in the total debt amount. When I went over the debt calculations as reported on NSLDS with XXXX XXXX, supervisor of the ombudsman department, and the social media department, the debt they are claiming I owe includes debts that were already consolidated previously through XXXX and XXXX XXXX and debts that were paid off through other methods other than consolidation. The social media representative at Navient noticed this as we were on the phone calculating debt and said she would email XXXX to verify if the loans were paid through consolidation or not. I am positive that XXXX would not have this information because they told me since they transferred it over years ago, they did n't keep any information on file. Yet, Navient continues to report the inaccurate information on my credit file. I have also filed a formal complaint to the US Department of Education in which they just referred it back to Navient to complete and thereafter closed the case after Navient sent an inaccurate spreadsheet that does n't align with NSDLS. US Department of Education did not facilitate an investigation of their own, they merely reassign it back to Navient. Also, when I check XXXX, there was no MPN on file. Ultimately, I feel that Navient is not listening. I am getting nowhere with them. No resolution ... just aggravation. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Screening Reports Inc.
State: PA

Complaint narrative:
Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sent certified letter to Experian that was delivered on X/XX/17 challenging collection accounts on my report. Received no response from Bureau.

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 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On  X/XX/2017    I filed a complaint with the CFPB regarding my interaction with Quicken loans. While receiving info on loans, rates and terms I started to question my loan assistant, when his supervisor interrupted our conversation. He proceeded to quote me a new rate of 3.75 %. He then proceeded to ask me my credit card # so he could get the process started. I responded by telling him I would not submit my card # until I received something in writing. He was aggressive in his response to this. I further inquired if there were points involved with this new rate. He said there were 3 pts for a total of {$3400.00}. I asked when he was going to mention this fact, after he had my credit card #. But for me asking I would not know that the points had been omitted. When I questioned this aggressive sales tactic the supervisor became even more belligerent. I think this is a fraudulent practice and should not only stop, but should be penalized. I submitted a complaint with CFPB and had their response read to me by an assistant. Quicken Loans response was very accurate as to the facts and sequence of events except they failed to mention, and in my view purposely omitted the fact that they requested my credit card # before they disclosed that the quote they gave me included points. The response by  Quicken  Loans is in fact a second occurrence of omitting facts to favor their narrative. I agreed to and our conversation was recorded, you can listen to our conversation and see this fact plainly. This non disclosure of points and omitting them in their response is at the heart of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase  closed ALL my credit cards ( tota l 3 ) . The only rationale they have given is " compliance ''.  <P/> Closing my accounts will result a lowered  credit score , despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations.  <P/> They closed all my accounts  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An item ( book ) was purchased. When I received it the book was damaged and defective. I returned the book and made a claim with  Chase Freedom Cr edit Card. I have endlessly tried to resolve this matter and have been unsuccessful. I have called numerous times and no help. Just recently I sent an email to Ms.  XXXX   XXXX  to see if maybe she could step in and help and again I was ignored. I have done nothing wrong and now I am being threatened and m y credit score is r eally bad. I am trying to avoid litigation. You need to change the rules for credit card companies. I feel ripped off and a victim of a bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed ALL my credit cards ( tot al 2 ). Th e only rationale they have given is " compliance '' .Despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations. They have sent out letters that my accounts will be closed by  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: NY

Complaint narrative:
As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

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 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
First found out that I had a collection through checking my credit  XXXX . It was  XXXX  and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have  XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then  XXXX  again but now it is through  XXXX , had to go through the same thing and they removed from my credit. Again  XXXX  and  XXXX  through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on  XXXX / XXXX /  XXXX   and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact  XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   is reporting my account as a charge-off, which  may h ave been true at  one tim e. However, I settled the account with their collection agency,  XXXX   XXXX .  XXXX   XXXX  is correctly showing that I have a   XXXX   balance.     I have disputed the account with the credit bureaus 3 times and  XXXX   XXXX  still will not update my status to paid. They are showing me as a charge-off.     I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at  XXXX   XXXX  that understands what I 'm talking about.     Please help! I 'm trying to buy a house and this is messing me up!

Company response to consumer: Untimely response