vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/2017 an auto loan was taken out I found out through credit report and thorough XXXX.The car was Registered in XXXX.bith states I don't live in or ever have.i showed police the ID used after getting copy from dealer vs my license.This individual has a few social and id they have been using to obtain goods and services.i provided proof of residency to this company along with multiple police reports showing this was not my loan, nor do I live where this took place. I do not have an account number.my last 4 of my social are 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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trojan Professional Services, Inc.
State: MD

Complaint narrative:
The bill reported by Trogan was paid several years ago and was removed by XXXX XXXX, however you show it still being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS.  Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: ME

Complaint narrative:
I can't login to the website, or contact them by phone. They have blocked off all communication of getting the necessary information I need to complete my taxes on time. They have been this way for almost a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I like to get rid of all inquiries that are listed under Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I like to get rid of all inquiries that are listed under 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 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I like to get rid of all inquiries that are listed under 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 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a follow up to the response from Wells Fargo to my complaint XXXX. Unfortunately, their explanation is not based in reality. I did not apply for a VA loan. I did state emphatically to the loan officer, XXXX XXXX XXXX that I wished to look into purchasing a property in Florida that would include rental income ( such as a XXXX XXXX and close on this before selling my NJ home. I told her I anticipated a period of at least several months when I would be holding both properties. The only mention of VA financing on my part was the ability to refinance the Florida property after I permantly relocated. I never filled out any application and most my contact with her was by phone. She did call at least twice saying the underwriters had questions about taxes and rental income. Soon after this she sent me a XXXX XXXX mortgage preapproval. I acted on this in good faith and contracted for a property selling for more than {$50000.00} less than the preapproval amount. The contract was sent to Wells Fargo and from that point XXXX XXXX stopped answering her phone and did not return messages. When she finally responded she told me I could not get a VA loan but could do a conventional one. Then, several days later she told me I had to sell the NJ home first. This was at total odds with what we discussed at the outset as well as throughout the process. As for the denial letter they could put any date they wanted but the fact is I did not get it until after the closing date allowing the seller to claim my deposit of {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
to remove all my credit inquiries on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
IhavespokenwithNavientcustomerservicetoaskaboutautomaticpaymentsthatarescheduledtocomeoutofmyaccount.ThereptoldmetheydidntseeanyextrapaymentssoIsetupautopay.NowIhavedoublepaymentscomingfrommyaccounteachmonth.IjustcalledFridayXX/XX/XXXXandthereptriedtotransfermetothedepartmentthatsetupthepaymentandthecalldropped.ShedidntmentionanythingaboutapaymentbeingscheduledforXXXXbutnowafullpaymentjustcameoutofmyaccount.IcantaffordtopayNavientdoublepaymentseachmonth.Ialsoaskedherifthedoublepaymentshadbeenappliedtothebalanceandshecouldnttellme.WhereismymoneygoingandIwantthatXX/XX/2019paymentreversedASAP.IwanttheupcomingpaymentscancelledforonlineandtheonesthatweresetupbytherepresentativeandIwantsomeonetoexplainwheretheextrapaymentsImadewereapplied.Whatismybalance,whenwillthisloanbepaidoff?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: LA

Complaint narrative:
Got a detoragorty remark on all three credit reports and never received a bill. I would like this removed placed by the collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My Chase credit card was stolen XX/XX/XXXX, followed by approximately {$2200.00} of charges within the day or maybe next day ( plus about {$200.00} of bank fees ). None of the charges were made by me. I reported the card theft to Chase that day, and the charges were adjusted off on my XXXX statement, showing a zero balance ( showing {$1400.00} cash advances before the adjustments ). Then, on about XX/XX/XXXX, I received a call from an employee of the fraud unit that informed me that those charges plus another {$780.00} of cash advances plus various service fees were being added back to my account. I explained that I had not made the charges, which led to a brusque accusation that since my PIN was used and she could not figure out how that could have been done by anyone else, I " had received benefit from this transaction. '' The only way to avoid it was to prove that I had not used the card. Since my 78 years of integrity and several years as a Chase card member was not sufficient proof, she said there was nothing she could do. I still do not know how anyone can prove a non-action. So, my XXXX statement showed all the charges, plus more service fees. I made the minimum payment, which was then reflected on the XXXX statement along with more service fees ; I made another payment on the XXXX statement. In the meantime, I also disputed the charges by letter with the executive in charge, which led to a curt reply from a person who claimed to be a representative of the executive unit and the final authority on any appeal, who stated that the prior action of the fraud unit was confirmed and that I had no other recourse. ( Through all this, I still have not seen the detail of the charges that were added after the XXXX statement, so I do not know when they were made. ) I am shocked at the total disregard of my statement that I did not make the charges as well as the subsequent arrogance and stonewalling of the fraud unit and the executive unit. How can Chase be allowed to prey on people who have no way to defend themselves! I initially thought I was being singled out but now realize after seeing many similar complaints on the CFPB data base that this is a common practice engaged in by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc.
State: ID

Complaint narrative:
Every morning Monday through Friday I receive at call at or around XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX. Monday XX/XX/XXXX I was called at XXXX. Tuesday XX/XX/XXXX I was called at XXXX. I had called them near noon multiple times and told them that they are not allowed to call me before XXXX. They immediately ignored my complaint and began trying to argue that I need to verify and set up a payment plan. The company name is Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is attempting to take my home away through foreclosure. I am severely XXXX and have nowhere to live if they kick me out of my home. It has been a ten year struggle to try to get them to work with me to obtain a reasonable payment plan, restructure loan or loan modification, but can not seem to get any favorable results. All they do is send me to mediation where their evil attorneys attack me as though I have done something illegal. All of my attempts at working with them in a fair and transparent negotiation, have resulted in me facing their attorneys. I have never had a review for retention options and their legal shenanigans have cost me an unbelievable amount time, money and trouble. They have made some offers which I would gladly accept, but we have never been able to consummate the deals. Each time I contacted them to move forward with a review that would get me into a reasonable mortgage payment, SLS has backed off and we ended up back with the mediator or back in court. I no longer trust them because of how they have treated me throughout the years. I truly need SLS to engage in a fair and transparent negotiation and to review my circumstances for some sort of workout option using my current financial situation. I have enough income to resolve this matter and make things work, but SLS needs to come to the negotiation table in good faith and leave the attorneys in their offices. As it stands now, my interest rate is at 11 % ( when others getting 3-4 )!!! I am simply looking to be treated fairly and live in my home for the rest of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Dear Nelnet Inc. 

You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. 

You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. 

You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. 

This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. 

This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
to remove all my credit inquiries on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
to remove all my credit inquiries on file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This is the second complaint about Navient from me. 
Why was the balance of the loan that has been transferred from the previous owners of it so high? Why is the interest still on the full amount of the loan that was taken out in XXXX? that was {$13000.00}. 
I paid over {$8800.00} in XXXX the {$2300.00} in XXXX and {$1700.00} in XXXX. 
not counting what I paid from XXXX to XXXX.it has changed hands four times. 
AND this is my sons loan.. Not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In short, on XX/XX/2017, we submitted a complete Mortgage Assistance Application to Wells Fargo. The fact that it was complete was verified by Wells Fargo on XX/XX/2017, both by email being sent at approximately XXXX and by letter postal metered as of XX/XX/2017, but dated the same day. Wells Fargo made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process. This was also done on XX/XX/2017. We also see on your website under the " Official interpretation of 41 ( f ) Prohibition on foreclosure referral. '' that this should be seen this way. Wells Fargo sent a letter of denial dated XX/XX/2017, but postal metered as of XX/XX/2017. This shows that 12 CFR 1024.41 has clearly been violated. Up until just today, we were under the impression that these were FHA regulations that the FHA should enforce. We only happened to come across your site showing this regulation as if you were the ones responsible for enforcing it. This is not a small matter. Wells Fargo has been engaging in deceptive and misleading communications and outright lying to proceed with the foreclosure. This has been a consistent and ongoing effort on their part, where their actions should most definitely be considered to be breaching an Implied Covenant of Good Faith and Fair Dealing, predatory, unconscionable and illegal. These activities are also in direct violation of Colorado Revised Statutes, specifically CRS 38-38-103.2. While it is true that this portion of the law does allow for the continuation of the sale, in general, it does not specify an exemption to CFPB rules. Instead, it provides rules that provide protections that may not be available to homeowners otherwise where CFPB rules may not be in scope. One of the things it clearly states is that " A servicer is subject to the time limits and other requirements of federal law and CFPB rules in connection with a foreclosure under this article. '' CRS 38-38 is the exclusive section that deals with foreclosures of the nature Wells Fargo continues to pursue. More comprehensive detail can be found in on PACER under the United States Bankruptcy Court for the District of Colorado, under Adv. Proc. No. 19-01093-TBM. An abbreviated version of  the documents supporting this claim are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX made a mistake reporting the wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IN

Complaint narrative:
I am attempting to log in to their website to retrieve my tax documents for the year XXXX. The website and their XXXX app has been offline since XX/XX/XXXX according to them. I attempted to contact customer service but their phone number is out of service. I am also unable to log in which means I will not be able to pay the loan if the website shutdown continues. I attempted contact through their official XXXX webpage and was informed they are having technical difficulties but had no further information on this matter. I will be unable to submit accurate tax information for the year XXXX due to how they are handling their technical difficulties. According to them, there website and methods of contact have been shut down for 1 week as of XX/XX/XXXX. They are currently not helping or assisting their customers who have no choice but to use them due to how the Department of Education is contracting with them. 

Contact between their XXXX Page representative and myself : XXXX XXXX How long is the scheduled maintenance scheduled for? I can not find any information and need my tax documentation.. Doesn't look like this information has been posted anywhere. 
XXXX XXXX  Hi ******, sorry for the frustration. Our tech team is currently working to have this resolved as soon as possible. Are you able to provide your user name for further trouble shooting? 
XXXX XXXX  My username is ****** XXXX XXXX Great. Thanks so much for this info ****** and we will try to resolve this as quickly as possible. 
Thank you Link to the XXXX Page : https : XXXX Link to XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I wrote to Phoenix Financial Service regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1900.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation