vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: CA

Complaint narrative:
XXXX your bank XXXX is reporting to Equifax validated on fraudulent account, but the account was sold to XXXX XXXX, who state remove account from credit reporton CFPB response XXXX has stated to CFPB that Equifax contacts them over 20 times and they verify account that they have no right to.? I want facts that if you state sold to XXXX XXXX why XXXX keeps reporting it to equifax <Equifax and XXXX XXXX this is for you You validate that account is mine even theo it is not owned by XXXX SHOW EVIDENCE THAT THEY HAVE A RIGHT TO REPORT ON AN ACCOUNT THAT XXXX DOES NOT OWN AND YOU EQUIFAX KEEP REPORTING THIS IS FRAUD REMOVE ACCOUNT OR SHOW YOU OWN IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
*My husband and I have been having financial and health difficulties ( XXXX XXXX, XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ) since XXXX. 
*We were not able to pay our mortgage or equity line or credit card bills. 
*In XXXX, XXXX had given us a loan modification with differed principle of {$300000.00} but we were forced to rent our principle residence out to maintain the modification payment. 
*Our modification payment has increased to {$4000.00} as of XX/XX/XXXX. 
*We also have an equity line of {$180000.00} originally with XXXX XXXX who sold it to XXXX who sold it to SLS *I have been trying to workout a settlement with SLS but they refused to accept my offer on several attempts *Instead they came up with their own structured payment of {$650.00} monthly on an increased balance of XXXX. I am in no condition or financially capable to make such payment monthly. 
*After submitting a complaint to CFPB on XX/XX/XXXX, SLS responded with a threaten notice ( see enclosed document attached ). 
*If I do not agree to their terms they will foreclosed on my property. And a demand of {$200000.00} due on XX/XX/XXXX. And continuously phone calls harassing me and threaten to foreclose. 
*Just yesterday, XX/XX/XXXX, I received a phone call from XXXX XXXX who tells me to sell the property if I can not afford to pay the amount of {$200000.00} that due right now. 
*I asked to talk to her manager, so Mr XXXX XXXX supervisor took over the conversation on the phone, He said if I can not pay {$250000.00} by XX/XX/XXXX, I will be reviewed for foreclosure. 
I beg them to please communicate with me through email, because the phone calls are too stressful and had increased my XXXX XXXX to XXXX. But He refused and said they are not aloud to do that and continued to harass me with threatening phone calls.

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 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
*Portfolio Recovery Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on  XX/XX/XXXX and IT WASN'T A DISPUTE, Portfolio Recovery Associates , LLC handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/XXXX 1. Portfolio Recovery didn't provide the correct validation per Texas Finance code 392.302 2.  Didn't remove trade lines from my 3 credit bureau 's reports.

3. Remark trade lines as disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: OpenRoad Lending
State: AZ

Complaint narrative:
On the date of XX/XX/2019 I was reviewing my credit report and came across an inquiry I did not recognize from Open Road Lending. I called their customer service line and spoke to a gentlemen named XXXX explaining I have an inquiry on my credit report that I did not authorize. I then asked him to verify if their company reported this in compliance with the FCRA consumer reporting laws. He confirmed the application did not have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one credit card are reporting my balance as XXXX and a month payment of XXXX dollars. 

The information is not correct according to my monthly statement. My balance is XXXX and there is no monthly payment due and the payment is zero. 

The balance of XXXX dollars is not due and no statement reflection such reporting. 

I have always paid my bill ahead of time. Capital one credit card is reporting inaccurate information on my credit report after being paid in full with a overpayment of XXXX. 

Due to the overpayment there was a credit on my account of XXXX I don't own a XXXX dollars payment according to my statement and the balance being reported is inaccurate information. 

I have always paid my bill in full according to my payment history with this company. 

There is no balance and no payment is due and the payment is XXXX dollars. Due to being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Received a letter ( XX/XX/XXXX ) stating my lease was paid off. They were wrong as the applied a payoff from another loan to my loan. I called GM Financial to let them about their mistake and they said they would correct the matter. I have send 2 payments in to keep currant on my contract ( ends in XX/XX/XXXX ). I now found they lost my payments and tell me I owe late charges. I want then just to clear my name and end my lease early. I have done business with GM for over 20 yrs and I wont do business again. I feel like calling the news channels and informing everyone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account Holder, XXXX XXXX XXXX, passed away. B of A has been contacted by my wife who is the daughter of the deceased to find out what forms to fill out and submit to close the accounts and receive the corresponding balances. The required forms have been submitted in 2016. Just this year, a follow up with B of A 's Estate Unit was made. The Letter of Instruction and Account Closure Request was notarized on XX/XX/16 and submitted to B of A, among other things. The Estate Unit is now telling my wife that because the commission of the Notary Public who notarized the document has already expired, that a new one is needed. When the forms were notarized and submitted to B of A, the commission was still valid. It is not valid now because of the failure of B of A to process what has been submitted to them in a timely manner. Why would the surviving relative start the process all over again if it's not her fault that B of A did not act in a timely manner.

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 2019-05-09 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: GREAT LAKES
State: NC

Complaint narrative:
Payments or ahead even two payments ahead and still Great Lakes are taking more interest out of the payments, right now I am two months ahead and more interest is paid not toward principle and not so much going to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Regarding ID for Complaint regarding Nationstar Mortgage XXXX ( also and now known as " Mr , Cooper ''!! Complaint Number XXXX. 
Sorry I am a XXXX year old XXXX Veteran and I could not find a way to add to the above referenced complaint!! Also I am NOT a computer Guru and don't have the money I wish I had way back when all this started with nasty old XXXX XXXX XXXX that goes all the way back to 2008 when we had the terrible 2008 Financial Collapse that I understand was caused by the Stock Market and the lenders after the repeal of the Glass-Speagal Act that allowed all these people to enter into securitization of loans and all the resulting corruption, racketeering, and fraud that has continued to this day. 
Anyway I hope you will attached the enclosed ( attached file ) I did not get attached in the initial complaint as I just got a new computer after my old one collapsed and I have had to learn XXXX XXXX!!! UG UG Thank you very much and I sure hofe that the new Director XXXX XXXX will be more fair, understanding and willing to recognize that over 20 million people like me have lost their homes needlessly and actually reach out to help people after all this. Thank you and semper fi.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My account ending in XXXX was opened XX/XX/2010 and has a balance of {$8100.00} and its inactive and charged off according to Navy Federal Credit Union. I have not made any payments in over 7 years. I'd like for this account to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE CARD - {$1500.00} DATE REPORTED XX/XX/2017 Chase reported that I owed them but I didn't recieve any emails, phone calls or information in the mail stating that I did so I was no able to pay them, now my credit has taken a hit. When I tried to contact them I was never able to get to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I Recently contacted State Collection Service ( XXXX XXXX, WI XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX ( XXXX ) XXXX-XXXX ) via mail concerning verification of the following accounts XXXXxx XXXXxx I have no knowledge of these debted accounts and want to be sure im not a victime of identity theft. 
According to the FDCPA i have a right to any and all documentation with my signature connecting me with these accounts. I have requested such documentation in writing and the State Collection Agency have not provided me with it thus far which makes the non compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filling a complaint against Discover Bank for abusive and deceptive business practices pursuant to UDAAP, which the CFPB has jurisdiction. I have repeatedly disputed, denied, and demanded stick proof there of regarding any alleged debt owed to them. They have refused to comply with my demands, upon repeated notice. I have attached files as exhibits to support my complaint. Discover Bank both lack standing, and fail to state a claim for which relief can be granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I applied for pre-approval on a home loan through my personal bank with which I have done business for 20 years. When they tried running my credit report they informed me that EQUIFAX had a freeze placed on my account. 

At no point have I ever requested any kind of freeze be placed on my account, nor did I give EQUIFAX permission to do so. 

Since learning of this situation I have been trying to remove the block. Each time I speak with a representative they ask a series of time consuming and detailed questions about my credit history. Even though the answers I provide come directly from XXXX and XXXX  reports, EQUIFAX states they can not access my account because the answers are wrong. 

It has now been nearly two and a half months and I have lost the opportunity to purchase two homes I bid on. I am in danger of soon losing out on a third. 

EQUIFAX is consistently know as a troubled company. They have leaked personal information on several occasions. They make it exceedingly difficult to access or change information on personal credit reports. They insist that sensitive documents like Social Security cards and driver 's licenses be delivered to them via unsecured means like fax or postal service. Their turnaround time on requests and inquiries is abysmal. 

Considering the vast power credit reporting agencies have on buying power, potential employment and government security clearances, they should be easier to work with and deliver much better customer service. In comparison with XXXX and XXXX, there are serious improvements needed at EQUIFAX before they should be entrusted with the fate of so many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo is a shady company and dont deserve to be in business at all they caused nothing but problems for us and caused nothing but stress and much more .... and we are not gon na Stand it ... we are calling them liars and a scam they have not tried to contact us at all or try to work with us in any way and they made it look like we never made a payment to begin with on our mortgage and now they are taking our home from us .... how are they even in business they should be shut down ...

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 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
When I learned about the public student loan forgiveness program, I called Navient to ask if my consolidated loan qualified for the program and was informed that yes it is the correct loan. I was also given information about making sure that I paid my payments on time, do not defer or go into forbearance as this would disqualify me from the program. 10 years later, I downloaded the application for forgiveness, completed the form, had the correct person at my not-for-profit , county hospital sign the form and mailed it off. Imagine my excitement when I received a response in a timely manner. I then learned that I did NOT have a DIRECT student loan and therefor did not qualify for forgiveness.I called Navient to complain and basically was told no proof? too bad! I had a XXXX dollar loan and have been paying diligently for 20 years. I still owe XXXX dollars. I am now receiving calls from every student loan company imaginable with supposed information about suing Navient however this is a hook to try to talk me into consolidating my loans into a Direct student loan so that I can pay for another 10 years. I will be XXXX. I do not plan to continue working until XXXX. Navient must have sold my information for all of these companies to suddenly be aware of me wouldn't you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
between XX/XX/XXXX-XX/XX/XXXX I did a plus parent loan for my daughter XXXX XXXX. I didn't sign no papers on this loan. My daughter was injured and couldn't attend the program anymore. I started making payments and realized that she had 3 loans that total to {$17000.00}, {$860.00}, {$6400.00}. On XX/XX/XXXX I consolidate all the loans with Navient. With the interest rate being 8.5 % it seems the loans keep increasing and making it difficult to manage. Since XXXX College is a private school why are the loans affiliated with the Department of Education. I never signed off on a Federal loan. I never signed any papers. I have requested for validation with my signature but never once received it. The loan was for a private institution and not federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
We have an insurance claim that was paid & damages were completed in XXXX of XXXX for {$30000.00} for our roof. 
The roofing company has completed the work they have received 2 disbarments of payments, the final inspection has been completed since XX/XX/XXXX. 
We have given Rushmore Mortgage Company all the documents they needed EVERY month we certified mailed and emailed them to them ( the same documents over & over ). They have dispersed some of the funds and every time we call it is a new issue they make up as to why they haven't released all the funds. They have received every document necessary, the job has been completed since XX/XX/XXXX. 
They still owe us over {$25000.00} The insurance company released the funds to get the house fixed and Rushmore has made it impossible for any of the parties to get paid. I have contractors threatening me that they are going to put a lien on my house & I am going to get lawyer fees because the accounts are almost a year old. 
Rushmore has made this process very difficult for me as the homeowner and for all the contractors involved that have completed the work the house needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
*Cavalry SPV I, LLC Violated/failed to respond Texas finance 392.202.

*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE.

# # Complaints, As of today XX/XX/191. Cavalry SPV I , LLC didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports.

3. Didn't request dispute but Cavalry mark trade lines as dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Nelnet, Inc.
State: OK

Complaint narrative:
Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.

Company response to consumer: Closed with explanation