vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I completed a Loan Rehabilitation program with Nelnet and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. I sent a special written request directly to Nelnet. In whole, it stated : I'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any of the Nelnet/Department of Education loan - as specified in the terms of the Higher Education Act and the Department of Education. Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program Loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date and make all nine payments during a period of 10 consecutive months. Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/2015, after receiving a letter demanding payment from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I investigated the item and immediately sent a letter disputing the charges from XXXX XXXX XXXX in the amount of {$590.00} and requested that they immediately remove any outstanding balances from my accounts as well as remove it from my Credit Report. 

After numerous telephone calls, emails, and letters, they still refuse to properly validate the changes as well as remove them from my personal Credit Report. 

Obviously, XXXX XXXX XXXX has falsified the charges by prescheduled her into Appointments she neither Authorized or Confirmed. 

XXXX XXXX XXXX uses an online scheduling system with a " Confirm '' button and email confirmation. Neither my daughter or I ever confirmed the appointments. 

As I have written numerous times, my daughter said XXXX XXXX was " creepy '' in her words and never wanted to go back for additional chiropractic care. 

At the time of her first appointment, XXXX XXXX XXXX, prescheduled her into follow-on appointments which she did not confirm Online or Otherwise. 

What is more concerning is that your Statements from XXXX XXXX XXXX and XXXX XXXX XXXX do not match. Obviously FRAUD on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not know anything about the monies i owe. it was on my credit report. I wrote a letter to company asking them to send me a validation or any contracts i have signed. They did not send me anything but still reported me to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested for the following information more than four weeks ago without a response from the Trustee with respect to the documents associated with the sale of my house. At this point, Im highly suspicious of their activities and as a US Citizen requesting from CFPB Economics Crime Unit for further investigation. 

XX/XX/2018 @ XXXX Auctioned sale of the property @ XXXX 3-day notice served XX/XX/2018 ( 6 days after the sale ) I requested to know ( via phone call and certified email ) the following transaction information on my property which was sold without my consent or conveyance : - Exact Date and time of sale - Final bid and sale amount performed by third party auctioneer ( Name of the Auctioneer to be provided ) - Full name of the bidder/buyer - Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development - ** Copy of the Sales receipt and transfer of funds by the buyer ( This is a mandatory item ) ** - Any other relevant information that needs to be disclosed ( Full disclosure requested ) XX/XX/2018 It has been more than four weeks and they have had plenty of time to provide this information, however when requested again on XX/XX/2018, there has been no response of any kind from the Trustee. Ive never given authorization to the so-called Trustee ( XXXX XXXX ) to convey the title. 

It is very likely that the so-called " investor '' in this case, XXXX XXXX XXXX ( XXXX XXXX ) is a co-conspirator to complete their fraudulent activities in order to close the transaction loop. 

I've been removed from my property, and as of today, I can not get the truth out of XXXX XXXX and XXXX XXXX XXXX. Most importantly the sales receipt and the transfer of {$950000.00} is of great concern that must be disclosed and reported to HUD through a settlement statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I do not know anything about the monies i owe. it was on my credit report. I wrote a letter to company asking them to send me a validation or any contracts i have signed. They did not send me anything but still reported me to the credit reporting companies.

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 2018-08-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested for the following information more than four weeks ago without a response from the Trustee with respect to the documents associated with the sale of my house. At this point, Im highly suspicious of their activities and as a US Citizen requesting from CFPB Economics Crime Unit for further investigation. 

XX/XX/2018 @ XXXX Auctioned sale of the property @ XXXX 3-day notice served XX/XX/2018 ( 6 days after the sale ) I requested to know ( via phone call and certified email ) the following transaction information on my property which was sold without my consent or conveyance : - Exact Date and time of sale - Final bid and sale amount performed by third party auctioneer ( Name of the Auctioneer to be provided ) - Full name of the bidder/buyer - Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development - ** Copy of the Sales receipt and transfer of funds by the buyer ( This is a mandatory item ) ** - Any other relevant information that needs to be disclosed ( Full disclosure requested ) XX/XX/2018 It has been more than four weeks and they have had plenty of time to provide this information, however when requested again on XX/XX/2018, there has been no response of any kind from the Trustee. Ive never given authorization to the so-called Trustee ( XXXX XXXX ) to convey the title. 

It is very likely that the so-called " investor '' in this case, XXXX XXXX XXXX ( XXXX XXXX ) is a co-conspirator to complete their fraudulent activities in order to close the transaction loop. 

I've been removed from my property, and as of today, I can not get the truth out of XXXX XXXX and XXXX XXXX XXXX. Most importantly the sales receipt and the transfer of {$950000.00} is of great concern that must be disclosed and reported to HUD through a settlement statement.

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 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Opened an account with the first year annual fee waived. 

During that year, I canceled the account. 

No bills of any kind were ever received, either by mail or email. 

About a year and a half after the opening of the account, I received in the mail a notice that my email address was not functioning. 

I then went online and discovered that I had incurred an annual fee and that my card was still active. 

When I called to close my account, the representative kept me on the phone for 30 minutes trying to get me to keep it open. Multiple attempts to ask her to confirm that the account had been closed were responded to with sales-oriented questions such as " what is it that you like about your other cards '' ... as well as retention offers of statement credit if I kept the account online and spent a certain amount. I then told her I would hang up if she would not stop with those questions. She continued with those questions and refused to confirm that my account was closed. I hung up. 

I called the number once more, spoke to someone else, refusing to answer any questions ... and was told my account was closed. 

I currently do not know the status of the outstanding balance.

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 monetary relief
Consumer complaint received 2018-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized. 

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX US BKPT Identification Number XXXX XXXX BKPT Identification Number 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 2018-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Experian 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. XXXX  has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Experian continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed.

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 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: WA

Complaint narrative:
This is a notice and demand of validation of debt and dispute. 
ERC Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$2500.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter.

3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification.

5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation.

7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office.

If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MS

Complaint narrative:
XX/XX/XXXX a credit of XXXX was applied to my account and was never called on it or emailed why I had this credit. XX/XX/XXXX XXXX took XXXX out of my account for the monthly payment for XX/XX/XXXX, they should of only taken the amount XXXX to complete the payment. Still no phone call or email on the credit. Now its XX/XX/XXXX and they automatically applied the XXXX to a principal payment and took the full amount again which caused my account to bounce and my bank to charge me XXXX for the over draft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In the past 8 months, my account with Home Depot Citibank has been under a fraud investigation. I am at a loss of what to do as the claim has been denied and I was assured several times by your employees that this would be resolved. 
My first notification that I had ANY balance on my card after XX/XX/XXXX was on XX/XX/XXXX, when I received a phone call stating that my account was past due. I opened the account so that I could start a new business in XX/XX/XXXX, then I put the card away because the renovation was finished around XX/XX/XXXX. The gentleman on the phone instructed me to make a credit card fraud claim so I did. I waited until XX/XX/XXXX and never knew what happened but I did start to receive statements that said I had a negative balance. Then in XX/XX/XXXX, I received a bill again for over {$8000.00} in charges. I was very confused as I thought the matter had been resolved. I believe that because I had set up automated payments from my old bank account and had opened a new bank account in XX/XX/XXXX, that I didnt see that these payments were going through. I simply left a few hundred dollars in the account just in case but I did not close this account until XX/XX/XXXX. This is why I received the call about a late payment on XX/XX/XXXX. 
I spoke with someone again from the fraud department and he asked me submit more information, which I faxed on XX/XX/XXXX. I received several phone calls trying to collect payment and was told not to make a payment if I did not make the purchases. Now I have my account over due by more than 90 days and it is showing up on my credit report. 
I did not ever file a police report because I live in XXXX and the police have better things to do although I have tried. 
On XX/XX/XXXX after sending this letter to Citibank Executive Response Unit, they confirm that indeed I did not make these charges yet they refuse to resolve this matter as fraud unless I file a police report. 

If I remember correctly, my credit limit with them was {$5000.00} and someone charged over {$8000.00}. 
They also knew during the investigation that someone else had been using my card as well as making payments and never told me that they knew that information until now. 

The communication with Citibank fraud has been awful until I starting talking with XXXX XXXX on XX/XX/XXXX. 

Every time I received a phone call about making a payment because I was late, I was advised not to make the payment unless these were my charges. So now, I am over 90 days past due and I owe a bunch of late fees as well as a dip in my credit report of over 80 points.

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