vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me. 

I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle. 

I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce. 

Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband. 

Thank you in advance for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: VA

Complaint narrative:
I am being charged for attending XXXX XXXX where I have NEVER attended. I applied to the school but never enrolled nor attended. I have called and wrote Navient from XX/XX/XXXX until XX/XX/XXXX to validate the charges said that I owe. 

I have asked several times for Navient to validate the said loans allegedly owed to them by providing documentation that I agreed to pay these funds, breaking down an audit of the payments, what school the said money was sent to, proof that I even attended the school ( s ), how was money applied, what was my balance and where is any or all documentation. 

I was verbally coerced into some form of consolidation that would temporarily make my payments $ XXXX monthly while my account is being investigated. However, these amounts are still being reported on my credit report without any proof that I owe the monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: KS

Complaint narrative:
XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXXand 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.

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 2018-04-26 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: AES/PHEAA
State: NC

Complaint narrative:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XX/XX/XXXX I was sold an interest only jumbo mortgage from Wells Fargo. Due to a divorce I attempted to sell the property, I owed XXXX at the time, the home value thru a Wells Fargo BPO came out approximately at $ 750K in XX/XX/XXXX. I applied for the Mortgage Modification Program XX/XX/XXXX. 
Paperwork went back & forth until XX/XX/XXXX when I discovered that Wells sold my loan to XXXX XXXX XXXX XXXX during that time frame for approximately $ 750K without responding to my modification request. Then XXXX XXXX XXXX ( XXXX ) sent me a loan statement saying I owe $ XXXX. After Wells Fargo took the tax deduction for the difference ( $ XXXX $ XXXX $ XXXX ) tax write off for Wells Fargo , they left me close to $ 250K underwater based on loan to value! Also, the mortgage contract stated I could not execute a short sale without the investors ' permission with them having the last word. If Wells Fargo would have worked with me and modified my mortgage loan balance equal to what they sold it to XXXX XXXX XXXX XXXX for I would have been able to keep my home. Instead their WICKED move left me $ XXXX buried and they took the tax deduction. Now XXXX XXXX has put my mortgage into a mortgage backed bond managed by XXXX XXXX. They have rejected 3 short sale offers and counter offered one buyer $ XXXX when the BPO came out at $ XXXX. They ran the buyer off! At this point I am stuck in limbo with my credit and livelihood in jeopardy. Attached is a letter I mailed to XXXX the current loan servicer. I would appreciate your assistance in this matter.

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 2018-04-26 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: MO

Complaint narrative:
Every month for the last six months, XXXX XXXX XXXX continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...

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 2018-04-26 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: PA

Complaint narrative:
I initially called Kohl 's credit customer service in XX/XX/XXXX and was advised a XXXX   was issued on my account and that the debt owed was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address. Weekly, I was told it was mailed. Never received. 

At the beginning of XX/XX/XXXX, I finally received it and the CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. 

After multiple calls, speaking with unknowledgeable representatives, they told me I would receive a fax stating the error and that my account was issued a XXXX   forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. 

Today, taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blames it on another department or their partnership with Capital One, now placing me at risk of tax audit. 

The balance continues to be reported on my credit reports and verified incorrectly by Kohl's/Cap One. A forgiven debt would mean {$0.00} balance, however, your documentation does not even match the account. 

Under the FCRA, Kohl 's is required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation they may have verifying the legitimacy and accuracy of their incorrect verification and reporting of the account as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Nelnet, Inc.
State: IL

Complaint narrative:
This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I have been employed in XXXX  XXXX since XX/XX/XXXX( FEMA  ) and have been paying my qualifying student loan every month using Income Contingent Repayment or Income Based Repayment plans since XX/XX/XXXX. I have paid every month and my loan is in good standing. I meet the two qualifications for the Public Service Loan Forgiveness ( PSLF ) Program ( 120 monthly payments and working for qualified employer ), yet I was denied. My employer was determined to be qualified. XXXX is not counting my long history of on time loan payments with my previous two servicers. I have attached a data pull from NSLDS on my loan showing this and I have attached XXXX 's loan payment data. 

DESCRIPTION OF QUALIFICATIONS - PAYMENT HISTORY AND ELIGIBLE EMPLOYER 1 - I have made 120+ qualifying payments >Between XX/XX/XXXX and XX/XX/XXXX. Consolidated loans in XX/XX/XXXX with XXXX XXXX XXXX , XXXX XXXX XXXX. Began payment as ICR, then switched to IBR. Maintained loan in good standing by paying every month, made 53 payments after XX/XX/XXXX. 
>Between XX/XX/XXXX through XX/XX/XXXX. Loan held by XXXX, a XXXX XXXX XXXX   Servicer. I paid every month, note several short ( <30 day ) deferments while XXXX worked out the yearly amount for IBR payments. Record of 65 payments made to XXXX attached. 
> From XX/XX/XXXX through present. Loan switched to XXXX after requesting PSLF. To date, made 8 payments. 

2 - I am a full-time employee at a XXXX XXXX ( XXXX ) from XX/XX/XXXX through present, when I made each of the qualifying payments CORRESPONDENCE DATES : >Submitted Employment Certification Form to XXXX in XX/XX/XXXX. 
>XXXX received my Application for PSLF XX/XX/XXXX >XXXX denied my Application for PSLF on XX/XX/XXXX. Denial based on not eligible yet because I have not yet made the required 120 qualifying payments XXXX acknowledged 8 qualifying payments, only the payments made to XXXX. 

Qualifying Payments = payments made during periods of qualifying employment that your employer has certified via an Employment Certification Form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
I received multiple calls and have confirmed my address and the company will not send me a copy of the medical debt as I have not been able to validated. date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
I recently got behind on my mortgage by two months. I've been trying since then to catch up on my mortgage payment. Carrington mortgage will not give me any information to catch my account up to current standing. They are starting to send me lawyer paperwork which they did three years ago, cost me extra $ XXXX. They keep trying to take my home! I need the balance to bring my account current which they will not provide! I have and can pay immediately. Help! Please, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. 
My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. 
My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. 
I am going to XXXX XXXX today to pay XXXX so it is not cancelled. 
I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: NY

Complaint narrative:
I had an active XXXX  XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
ON XX/XX/XXXX I submitted a complaint with the CFPB reference XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that XXXX XXXXXXXX XXXX XXXX provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount XXXX XXXXXXXX XXXX XXXX bought or sold my account for. I am currently working with a law firm who does pro bono work, and requested the above issues addressed. I have also filed a complaint with the Arizona Attorney General 's consumer complaint unit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Received a XX/XX/18 call to collect a debt not owed by me or any person at my telephone numbers ; XXXX and XXXX and XXXX  during the past 5 ( first two numbers ) and 10 years ( last #, XXXX  ). Unwanted Company/caller was Dynamic REcovery Solution, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and mailing address XXXX XXXX XXXX XXXX SC XXXX.

They have the wrong numbers for whomever they seek and they were simply lazy and slothful in conducting their business by failing to check their telephone lists, choosing instead to make calls and interrupt my day with their call and further time needed to attempt to have them stop calling my numbers by filing this complaint and talking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I like this bank and I am submitting a complaint because I was scammed using the " XXXX XXXX service. I already talked to my bank and they denied my claim but I was scammed because I never Received my items and I have messengers from the seller that he went back to my word and LIE to me. It was a console with games he was selling to me after I sent the money, he just went ghost on me and stop replying to messengers. I have attach an invoice showing the receipt and I have words from the seller he was lying to me. I recognized this was inconvenience and that is why I never again will use the " XXXX XXXX '' to make sales. I DO NOT have the money from {$120.00} dollars as I paid bills and am not currently working. I love this bank, but I really was scammed and will keep on doing this until I get the resolution that I want. I have been a loyal customer for the past 2 years.

Company response to consumer: Closed with explanation