vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I currently have a LTV of 78.00 % on my current home mortgage. I have requested the private mortgage insurance to be cancelled. The loan servicer, ( Chase Home Mortgage ), the PMI company ( XXXX XXXX ) and the loan holder ( XXXX XXXX ) are requiring me to get a BPO ( Brokers Price Opinion ) which costs {$100.00} for determination that my house has not decreased in value. 

Per the HPA ( Homeowners Protection Act ), when a homes LTV reaches 78 % of the original mortgage amount the loan servicer has to request the PMI be cancelled. Chase Mortgage will not request the PMI to be cancelled unless a BPO is obtained. I am being penalized by paying extra on my mortgage to get the PMI cancelled earlier than the predicted amoritization date of when my LTV would be 80 % which was predicted to be XX/XX/XXXX. 

Furthermore, if i had not been forward thinking and not checked on this my PMI would have been automatically canceled in XX/XX/XXXX, however my LTV would have most likely been around 70 % at that point. I would not have received a refund on the PMI that was not required to be paid based on I reached a LTV of 78 % in XX/XX/XXXX. I would have paid approximately an extra XXXX on PMI that was not required and that should have been cancelled automatically when my LTV reached 78 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 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: BANCO POPULAR DE PUERTO RICO
State: CO

Complaint narrative:
Applied for the XXXX XXXX  Visa card with XXXX LifeMiles bonus through an invitation sent to me. I have never dealt with such a horrible bank and a very convoluted application process. I had to send in pay stubs, utility bills, social security card, and passport/ID, and was finally approved for {$5000.00} after almost 3 weeks. When I received the card, I activated it and went to make my first purchase on it and was instantly denied. 

I called in and was told my account was blocked. I asked why, and they said they wanted another utility bill and ID. I sent in my XXXX Bill and my Passport. A few days later, my account was SHUT DOWN!!! I was notified that my XXXX utility bill was questionable. I sent in another utility bill and my XXXX Bill, and also attached my Passport. 

I called in again and was told my account was permanently shut down. This is beyond ridiculous. Avoid Banco Popular or XXXX XXXX XXXX at all cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I SENT THIS COMPANY A LETTER DISPUTING TWO CHARGE OFF 'S THEY CLAIM IS MINE AND THEY DID NOT SEND ME INFORMATION VALIDATING THAT IT IS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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 THE WEST
State: CA

Complaint narrative:
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit 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 2018-12-19 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: CL Holdings LLC
State: TX

Complaint narrative:
I have reached out several times to XXXX XXXX XXXX as well as all three credit bureaus to dispute a XXXX XXXX account on my credit report with a balance of {$870.00}. I have never had an account with XXXX or applied for service thru XXXX. No one has been able to send me anything showing my signature or my supposed signature for validity of this account and I need it investigated properly and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been in on an income driven plan for 10 or more years through AES. I'm being told only my last 10 payments count toward forgiveness. I was told i was in the " correct payment plan '' for forgiveness. I've been in public service for almost 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Nationstar Mortgage Trustee File Number XXXX Loan No. XXXX Currently in litigation with Nationstar over the wrongdoing on my mortgage. Was told this sale would be stopped yet its still showing as active and now they state it will not be moved. 

This property is listed incorrectly on the Notice of Sale. Nationstar is attempting to sell my two unincumbered parcels with the incumbered parcel with no legal standing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: PCS Receivables Corp.
State: TX

Complaint narrative:
There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Every time I try to make a payment, I receive this error message : " Sorry, we weren't able to complete your payment at this time. Please try again later. '' I contacted paypal, and I was told there is no problem with my account, but I still get the same error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and  received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I recently received a Notice of Foreclosure sale XX/XX/18. I am a Trustee and Co-Beneficiary of a Family Trust which the subject property is titled in reference to original borrower known as the Estate of XXXX XXXX. I reached out to the servicer but I have found it difficult to communicate with the servicer and the foreclosure law firm requires that I speak to servicer before they will process a postponement of sale ( Non Judicial State TN ). I do not have understanding of what the alleged amount of indebtedness is, what alleged payoff is, alleged reinstatement amount, and No one has  addressed the matter of servicer/Lender error in trading the loan and closing out the initial Trust allegedly opened by Lender. A Title search revealed a error as per SEC violation. 

None of the living beneficiaries received any notice from servicer except for me at last minute. The foreclosure firm says they were Not Given an amount of Indebtedness ( XXXX at Foreclosure Law Firm representing Servicer SPS ) The Firm refers me to the servicer and the servicer will not speak to me without an updated Third Party Authorization. Which I can not obtain until I am given legal advise as to who should sign the new Authorization as the previous decedent of Mrs XXXX is also deceased and XXXX XXXX is no longer a beneficiary of the Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this problem.

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 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
**Repeated robocalls and personal voicemails left from an individual, despite being verbally told to stop several times. Was told by them that they can't stop, as if they have a right to harass. 
**Calls from XXXX area code ( XXXX ) have been blocked, as they try to call from different numbers, but still XXXX area code. They are leaving repeated voicemails in an attempt to full up my voicemail system. 

**Last attempt was today, XX/XX/2018 : -Blocked call from XXXX area code sent to voicemail w/message left @ XXXX, XXXX -Same area code called right back w/message left @ 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 2018-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for a modification on or about XXXX I have tried for years. My husband and I are senior citizens and he is a XXXX veteran. They denied the modification on XXXX XXXX on XX/XX/XXXX I talked with my relationship manager ( if you call into this company you get XXXX they tell you one thing escalated cases tell you another thing no one knows what the other is doing and you can never talk with your relationship manager without an appointment ) he said I could do a short sale. I immediately hired a realtor she did an open house we received two offers and I choose the highest and best the people had a lot of monies in bank and went over asking. They keep denying the short sale and will not put the foreclosure on hold. I keep appealing and they ask for documents over and over and over again this have caused undue stress on myself and my husband so much so that I was put on medication. They would rather foreclosure and take less then the offer. This tells me and I question the right to enforce the note in California they need to prove they have the right to enforce the note they or the trustee will not. Ocwen is the worst company they say they help homeowners they are not. This is our second home I am trying to work with them they refuse the realtor has people waiting to close they would rather foreclose with a credit bid so I am questioning there standing. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Premier Student Loan Center
State: GA

Complaint narrative:
In XXXX of 2018, I received a call from Premiere Student Loan Center saying that I could enroll in a Loan Forgiveness program where I could pay 5 enrollment fees and then start paying {$10.00} a month until the payments were complete and that would pay off my {$10000.00} student loans. When I tried to contact someone in regards to switching methods of payments, all emails that I emailed were inactive and no one was answering the phone number that I was provided. When I finally reached some one over the phone, they told me that XXXX XXXX, the lady that I originally spoke with to set this up, was no longer working there and I was put in contact with a new person by the name of XXXX XXXX. I asked him to transfer me over to the payment services department so that I could discontinue my services with them, he hung up in my face and has not answered my calls since then. I am totally mind blown at the news and reviews that I have received about this company and the " SCAM '' that they on running. I would like to get in contact with someone from Premier Student Loan Center as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC
State: HI

Complaint narrative:
Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: WI

Complaint narrative:
That was my 11th lease, never dealt with XXXX before, my XXXX-year-old father was a driver of that car, very careful and infrequent driving, we returned car to XXXX dealer, nothing was told about a car condition, inspection and no papers were provided like after other leases, 1 month later I got charges for {$890.00} about multiple damages by XXXX XXXX XXXX ( AKA XXXX XXXX XXXX acount # XXXX ), I tried to call XXXX XXXX XXXX to dispute and requested send me clear pictures of damages, they keep agreeing on phone but never got pictures and just sending letters with charges again and again, I called them many times after, with last call to them in XX/XX/2018, they did not send me requested pictures of damages despite my repeated requests and sent my charges to collecting agency, I never hear anything from them sending my files to collecting agency or a collecting agency contacted me not even tried to collect, I had no idea that XXXX sent directly to Credit Reporting without trying to collect or discuss with me. I bought a boat and found that my score significantly dropped. I immediately paid that charge {$890.00} in XX/XX/2018. However, a Boat Dealer had a hard time to find a bank that would provide me a loan and one that I got charged 8.5 % APR instead of the usual 5 % ( as I was told ). 
In Spring 2018 my score was XXXX now XXXX on Equifax reporting and not getting better. I called Equifax several times, tried to file a dispute online. Whenever I call I get different answers from different people. They gave me different advises like call XXXX, which already got their payment, or close credit cards which we did closed a few, then call other car loan companies to remove inquiries. I did most what they suggested but score still stays low and not changing despite I am doing everything they say. Please help me to fix my credit score as it was not fair reporting from XXXX as we were in middle of disputing charges. Now we are planning to buy a house and I am facing significant financial charges because of all this situation

Company response to consumer: Closed with explanation