vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I recently refinanced to leave Mr Cooper/Nationstar. Mr Cooper/ Nationstar received my payoff on XX/XX/2018. They returned the payoff to the title company. XXXX from Mr Cooper/Nationstar told my new bank and title company that money from my escrow could be used to complete the payoff. The payoff was sent back and a late payment was added to my credit report. 

This is a false report on their behalf, they received my payoff in time, and did not attempt to call me, send me an email, or any other correspondence to let me know the payment was to be returned. 

This was not the first time this had happened. Making regular monthly payments they would lose the payment in some sort of suspension account and charge fees. 

To try to have my issues resolved, I would call the customer service line. The representatives answering the phone seemed lost/confused and never seemed to have records of previous communication. I would then be placed on long holds to wait for an escalation specialist, who would not call back after promising to follow up with status updates. This happened many times. 

Finally I get away from the company and they misreport on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.

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 2018-12-02 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: HOVG, LLC
State: GA

Complaint narrative:
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX and XXXX So far it has been almost 2 full months and this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I applied for an IBR they said I would be in deferment until I got approved, I have not heard back from from my application XX/XX/XXXX they took me out of deferment and doubled my payment they sent me an email saying they wanted my income statement for the month and then said they didn't know what I wanted to do with it since I didn't send an application, I sent the application on the XXXX XXXX XXXX site with my tax return now the website is closed for maintenance. I applied for forbarence again to get relief I can't make double payments, they were not supposed to do anything with my loan until I heard back from the Fed student aid application process. Just frustrated I just wanted to lower my payments and get done I am XXXX and don't qualify for anything. Will most likely never pay this off I applied for bankruptcy and you can't include student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.

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 2018-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: HOVG, LLC
State: GA

Complaint narrative:
Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX  and XXXX  So far it has been almost 2 full months and  this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I dispute the validity of the debt in entirety and every portion of it. I am requesting for exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
this has been a longstanding and unresolved issue. I was a victim of id theft and fraud and synchrony bank illegally took XXXX from my now closed XXXX XXXX XXXX checking account. I was assured that the problem would be resolved but as of yet, the problem still exists and i'm extremely upset by this issue. I've submitted documents and a police report to XXXX XXXX XXXX at XXXX EXT XXXX. I'm extremely angry and I want this issue resolved immediately.

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 2018-12-02 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: CO

Complaint narrative:
I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX on XXXX XXXX for XXXX using XXXX through my us bank app. As soon as it went through, on the seller deactivated his XXXX, and vanished. He never sent me the product, so I appealed to my bank on XX/XX/XXXX, who waited two weeks to tell me they couldn't do anything. I was not mass aware they were a sperate company until I called XXXX XXXX, I thought XXXX was the name of a program us bank had.

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 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation
State: OR

Complaint narrative:
I requested of Global Credit & Collection Inc, all documentation concerning the debt, including ; A complete itemization of all principal, interest, and administrative charges. 
All documentation that defines and authorizes said charges. 
A complete and unedited copy of the promissory note and any other agreements or contracts. 

They failed to provide the information requested. What they sent reflected an amount due that contradicted previous amounts. 

On XX/XX/18, I requested the termination of calls to a particular phone number, and provided them a secondary number to call. GCC ignored my request when calling the first number on XX/XX/18, XX/XX/18, and XX/XX/18. 

In a phone message on XX/XX/18, and in two communications sent via the USPS, GCC failed to adhere to the FDCPA Mini-Miranda Disclosure, 15 USC 1692e 811 ( 11 ). 

As it can be speculated that Global Credit & Collection Corp. conducts collection activities similarly corporate wide, and that XXXX ( the original creditor ) has full knowledge of these business practices, I believe XXXX is culpable and should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from 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 2018-12-02 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: CO

Complaint narrative:
I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from 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 2018-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX   XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX   XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agencies Experian, XXXX  XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport

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