vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen, among them was my passport, driver 's license, social security number and paystubs that showed my address and birthday. Ever since several accounts have been opened in my name without my approval or knowledge. This XXXX XXXX XXXX account was opened without my knowledge or approval. The apartment complex that the XXXX XXXX XXXX service was opened at has acknowledged that I did not execute the lease or live at the apartment complex. The lease was executed in my name without my knowledge and all utilities at the apartment complex were opened by a third party without my knowledge. I have attached a copy of the the FTC identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NATIONSTAR ( AS AN ALLEGED MASTER SERVICER OF A REMIC TRUST AND ALLEGED ATTORNEY IN FACT OF THE SAME REMIC TRUST ) CONTINUALLY ATTEMPTS TO COLLECT AN ALLEGED DEFAULTED DEBT ON BEHALF OF ( AS AGENT ) XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX IS NAMED ON ALL COUNTY RECORDED DOCUMENTS, AS THE TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE XXXX XXXX HIERARCHY ( FDIC AND NIC ) AS A LAWFUL ENTITY OR AN ASSOCIATE OF THE XXXX XXXX FAMILY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE CALIFORNIA SECRETARY OF STATE REGISTRY AS A BONA FIDE LAWFUL ENTITY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE " SEC REGISTRY '' AS A BONA FIDE TRUSTEE OF ANY REGISTERED REMIC TRUST. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN AGENT FOR THIS " LEGAL FICTION '' AND PREVENTED US ( BY DISPARAGEMENT AND/OR SLANDER OF TITLE ) FROM SELLING THE PROPERTY IN QUESTION AND PAYING THE LAWFUL CREDITOR ( UNKNOWN AT THIS TIME ) TO DISCHARGE THE ALLEGED OBLIGATION BALANCE AND MOVE FORWARD WITH OUR LIVES. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN ATTORNEY IN FACT FOR THE " LEGAL FICTION '', AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

NATIONSTAR USED THE " FALSE '' PERSON RELATIONSHIP TO SUBSTITUTE IN A NEW DEED OF TRUST " TRUSTEE '' ( XXXX XXXX XXXX ) TO FACILITATE A FALSE FORECLOSURE ACTION AGAINST THE SUBJECT PROPERTY. 

THE REMIC TRUST FOR THE LAST 2 YEARS HAS BEEN IDENTIFIED ( COUNTRY RECORDER, MERS WEBPAGE, RECORDED DOC 'S ) AS THE " MORTGAGE ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX '' THIS IS THE TITLE OF THE SECURITIES ( I.E. THE BRAND ), NOT THE NAME OF A BONA FIDE REMIC TRUST ENTITY ( PERSON ). 

THIS IS LIKE IDENTIFYING " XXXX XXXX '' AS AN OWNER/HOLDER OF DEBT AS OPPOSED TO " XXXX ''. THE ONLY DIFFERENCE IS THAT " XXXX XXXX '' IS A BONA FIDE BRAND OF " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for the Wells Fargo Business Platinum Credit card on XX/XX/XXXX. I applied through a link that offered a {$500.00} bonus after spending {$5000.00} on the card within the first three months, and 1.5 % cash back on all purchases. I met the spending requirement and paid it off on XX/XX/2018. At about this time I received on offer to get 1.5 % cash back on my card. This did not make sense because I signed up for the card to get the cash back, and should have received cash back for all purchases as soon as I started spending I called to see what the issue was, they told me I didn't sign up for the bonus, although I clearly clicked the link and the rep was familiar with the bonus. The rep suggested that because I met the requirements I file a dispute, I did so on XX/XX/XXXX. When I never heard from them I called XX/XX/XXXX, they said they have still not got to the dispute and I needed to wait. I never heard from them again, so I called on XX/XX/XXXX. They again said it had not been looked at but sent it to a research reference team to see if I had met the qualification for the bonus ( which I clearly did ), and they would get back to me in 10 days. After not hearing from them for nearly a month I called on XX/XX/XXXX. At this point they gave me a case number and said I would be contacted in 24 hours. I have not heard from them. I took the initiative every time. They never contacted me back once. Every time I was told something different, however two reps told me since I met the requirements it will be honored, but that has not happened. I clicked a link to get this bonus, I have met the requirement. They have been ignoring me in hopes that I will go away.

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 2018-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Under Note XXXX, XXXX XXXX " Vice President '' executed a signature representing Rushmore Loan Services , LLC, its appointed attorney-in-fact recorded on my mortgage deed on property:XXXX XXXX XXXX , XXXX , PA XXXX. 

Without recourse, XXXX XXXX XXXX XXXX, not in its individual capacity, but solely as trustee for the RMAC Trust, Series XXXX, by Rushmore Loan Management Services, LLC. 

XXXX XXXX deliberately misrepresented his employment and affiliation by executing a recorded document for XXXX XXXX XXXX XXXX & Rushmore Loan Services, LLC. Both companies accepting this transaction to take place without any regard to the law. 

After thorough discovery, XXXX XXXX is affiliated with XXXX XXXX both parties affiliated with XXXX XXXX XXXX XXXX XXXX XXXX : Executive Director - XXXX XXXX XXXX Name : XXXX XXXX XXXX Dates Employed : XX/XX/2008 Present Employment Duration:9 yrs 10 mos Location : XXXX/XXXX XXXX Area Please note : I have all verifiable documents in a secure area as proof of my complaint. In addition, on this recorded executed document the loan number is sanitized in black ( unverifiable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc
State: CA

Complaint narrative:
Earlier this year, I had some old student loan debt sold to a company called Unisa Inc. Www.unisainc.com.  I have had consistent problems with them processing my automatic payments to a consistent schedule. They claim it is impossible to predict when my payment will be deducted from my bank account. It is a considerable amount of money, so it is very important to me to know when I will be debited. I have talked to them in person, but they say can not be resolved. 

On XX/XX/2018, I was debited my full amount and then on XX/XX/XXXX I was debited the full amount again. My payment is only supposed to be paid once a month. I called their customer service on XX/XX/XXXX as their website had no record of the second payment being authorized. I was accused of authorizing the payment on my own, which I did not do. The person I talked to said he could see the payments in his system. He did apologize and told me they would count the second payment towards XX/XX/XXXX and not debit me again until XX/XX/XXXX. I agreed. Again, no date was given when payments would be processed when I asked. 

Today on XX/XX/XXXX, I was debited for my usual XX/XX/XXXX payment. As of today, there is no record on their website showing this payment. Only in my online banking. 

Another consistent problem is Unisa never displays the correct amount of my automatic debits. I have three loans with them which are debited from my bank account as a lump sum. Their system only shows one loan amount as being debited, not the full amount of the lump sum. Each of the three loans are different amounts and it appears to be random which amount will be shown in their online account history. I complained during my phone call with them on XX/XX/XXXX, but was told the customer service rep could see the proper amounts being debited from my account and offered no reason why the online system does not display the full amounts. He just told me not to worry about it. I do not know if Unisa has been calculating my payments properly against my loan as their system does not display the correct information. I do not trust them, but can not afford to pay my balance outright. 

I have also tried to add Unisa to my home accounting software and it never shows up as being a legitimate business. This has never happened to me before across several loan companies. I am very worried about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I submitted a complaint about LOANCARE on XXXX-18. Now I recently received another notice from them stating my mortgage payment is 3 months late, and now they are applying late charges ; also stating I may lose my home, and that this will effect my credit score. Never missed a mortgage payment in 5 years ; as long as I have owned my home. My Loan was transferred from XXXX XXXX XXXX to these people, and nothing but trouble. Never ever had a problem. I work, make payments on time. LOANCARE also increased my mortgage from $ XXXX/month to  over {$5000.00} a month. WHAT! I called them about 2 months ago, and they said they wanted me to send them a check for {$19000.00} re : escrow? WHAT? I'm wanting to file a class action lawsuit ... ..this is causing me sleepless nights, anxiety everyday. I have never ever had a problem like this in my XXXX years on this Earth. I pay taxes, work at a job that helps people in life. What is going on?? I see all these complaints about this company, and wondering how this has been allowed to continue for so long?? Will someone please help us law abiding citizens, and do something? PLEASE ... ..this is getting harder for me to take everyday. 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 2018-07-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2018 someone claiming to be an agent of XXXX XXXX bilked me of nearly {$500.00} via American Express prepaid cards. Details are in the attached correspondence with American Express. Instead of getting down to work and identifying the merchant whose account was credited, American Express keeps sending me stupid unsigned letters asking me to go through their telephone XXXX, although I have several times told them I will not do that. If they want to talk to me by phone they can use my home telephone number, which they know. They also talk about using email, but they have my email address. Someone in the fraud office of American express is doing nothing about the case except sending stupid letters. This has been going on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was making a purchase at the XXXX XXXX location in XXXX, VT, XXXX. A cashier named XXXX told me I was signing up for a rewards program and that my ssn was needed for " security reasons. '' About half an hour after leaving the store, I realized that I hadn't had my guard up, and had been scammed into signing up for a credit card, that I might not ever receive, and that, despite the appearance that I had paid for my purchase up front ( i had swiped my debit card to make the purchase ), in fact, I had been scammed into assuming debt for my purchase, that I would likely never be prompted to pay until I would hear from bill collectors and see it on my credit report. If this isn't illegal it should be, and regardless, all consumers should be aware of this shameful practice.

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 2018-07-21 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: FL

Complaint narrative:
I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.

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 2018-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I sent a letter to XXXX XXXX XXXXXXXX XXXX XXXX acct #XXXX  on XX/XX/XXXX certified mail XX/XX/XXXX in regard to  information I was disputing on my credit report.in which I have a charge off settled for less than amount with a charge off  amount in the of $XXXX with delinquencies of 30 days late ,XX/XX/XXXX, 60 days,XX/XX/XXXX,XX/XX/XXXX,CO from XX/XX/XXXX through XX/XX/XXXX. Date acct closed XX/XX/XXXX and that  I disputed are  inaccurate .XXXX XXXX XXXX XXXX XXXX did respond back with information provided but no canceled checks ,no payment to show payment history. On XX/XX/XXXX I replied back with another letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXcertified mail XX/XX/XXXX informing them that XXXX XXXX XXXXXXXX XXXX XXXX has violated the law/ federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law.You are required by law to place a "notice of dispute" when you signed on XX/XX/XXXX within the 30 days required XXXX XXXX XXXXXXXX XXXX XXXX is in Violation. The Fair Credit Reporting Act Section 623(a)(3) for not placing  Notice of dispute within the timeframe and evidence via certified mail you must now remove the item. They have since place a "notice of dispute " on credit report. And why are they still reporting on a closed account monthly.
XXXX XXXX XXXX XXXX XXXX is in violation for not providing a "notice of dispute" they must follow the law and remove of  credit report.
The Fair Credit reporting Act Section 623(a)(3) responsibilities furnishers of information to consumer reporting agencies[15U.S.C.1681 s-2](a)(3) Duty to provide notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/2018, I ordered a baseball bat on XXXX 's website from a 3rd party vendor called " XXXX ''. On XX/XX/2018, I received a XXXX XXXX   XXXX XXXX from XXXX, something the company does not even sell and has absolutely nothing to do with baseball in any way, shape or form. That same day, XX/XX/2018, I contacted both the XXXX Customer Service Department and my XXXX credit card company, XXXX XXXX, to dispute the charge. XXXX provided a prepaid return shipping label to return the item that I did not order, do not want, and that has nothing to do with baseball. I was advised by XXXX, that they would be researching the merchant further and to use the return shipping label to return the item. I did so the very next day and I am waiting for the item to be received at the return address. XXXX XXXX advised me that they would issue a credit to my account immediately and that they too would start an investigation. On XX/XX/2018, I checked my XXXX XXXX, XXXX account to confirm I had received the promised credit. I had not. I immediately sent a follow up email to XXXX XXXX regarding the issue and again requested a credit to my account. Today, XX/XX/2018, I received a response from XXXX XXXX that did not address my email at all but instead provided contact information for XXXX 's Customer Service Department, but still no credit. Not to mention, no acknowledgment of my actual concern. I had already filed a dispute through XXXX and have also returned the item, with the prepaid shipping label that XXXX provided me. Based on several different issues with this 3rd party vendor, both XXXX and myself, believe that they may be a fraudulent merchant, all together. However, in the mean time the amount of {$310.00} is still on my account and may soon start to accrue interest. XXXX XXXX has refused to issue a credit or even acknowledge my concern, twice now. Instead, they have chosen to lie about issuing a credit to my account and to completely ignore the entire purpose of my follow up email.

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 2018-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime
State: MD

Complaint narrative:
Have filed complaint to XXXX XXXX as well. Had a vehicle bought back from Drivetime because of some rust and mechanical issues. Didn't properly advise me of my options when turning vehicle back in. Said I would not get the 6 months of payments I had paired into vehicle because it was the time I had driven set vehicle I didn't sell myself a XXXX car they did. Because I had my contract reminded they were able to charge me a higher interest rate on my new vehicle. So Im not getting the 6 months of payments recorded to my credit score and am out 6 months of payments on a vehicle they shouldn't have sold me to begin with. How is any of this fair. I have documentation were they say I signed which I acknowledge is my signature to not have the 6 months of payments to reflect on my credit score but no where does it say anything about my 6 months of payments not being reinstated to me.

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 2018-07-21 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have several loans that I consolidated from Navient to XXXX. There is one loan remaining with Navient that has not been moved that is causing my credit score to continue to drop. Loan #  XXXX. This loan is being recorded as joint. IN XX/XX/1999, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at Navient XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down 74 point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP

Company response to consumer: Closed with explanation