vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Accurate Background
State: KY

Complaint narrative:
I am trying to get a job and need to get a cold check removed from this. It was my own checking account that was closed and I forgot i hard a check still out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I spoke with  XXXX  representatives from  Chase Auto Finance  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  Chase  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from Chase showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a  30 yr mo rtgage that was purchased and is now serviced by   Capital One. I have put the payments on Auto-Pay through my bank and have done this for well over 5 years.
For the last 2-3 years I occasionally receive a call and letters in the mail stating that I am behind in payments. Before I was terrified that something had gone wrong with my bank payment and quickly made a payment over the phone with their customer service representatives only to find out that in fact my account did pay out the required loan payments.
They were at it again earlier this year and admitted that they applied one of my payments as an " extra '' payment and then faulted me for not making a payment. The customer service repr  esentative apologized and said they would correct it.     Now again, I am receiving mail and phone calls stating I am behind. I have a flawless bank record of sending processed payments, never late. I think it is an administrative ploy to reel in late fees and/or alter loan status ' for their benefit. I do n't know how to get them to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Brelvis Consulting, LLC
State: MD

Complaint narrative:
I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Business Funding
State: TX

Complaint narrative:
XXXX   XXXX   XXXX     To wh om it may conc ern : In  XXXX  I had signed up with a business by the name of Central Business Funding, this company was supposed to assist me in bettering my credit, even though I have excellent credit. They were supposed to get me started in a business, and by them monitoring my credit they were supposed to put me in contact with lenders that would loan me money for this business, using a busines s credit score, as opposed to using  my personal business score.   Central Business Funding was a scam, all they did from the start when I signed up with them, was to charge my accounts for $  XXXX  of dollars. For months they withdrew money out of my accounts, and did not provide the services that they claimed that they would do.   In    XXXX   XXXX   XXXX   , an attorney at   XXXX   XXXX   XXXX   XXXX   XXXX   wrote a demand letter for me demanding that Central Business Funding pay me back the {$1200.00} dollars that I had paid to them for their fraudulent services, and I have not received my money back as of yet.   Now this collection agency   XXXX   XXXX   XXXX   is trying to charge me the {$1200.00} that Central Business Funding fraudulently stole from me.   I need your assistance, I dont owe Central Business Funding anything, nor do I owe this fraudulent collection debt, and since  XXXX  is stepping up for Central Business Funding, between the  two  companies, I want them to refund back the {$1200.00} dollars that Central Business Funding took out of my personal accounts.   I looked up this    XXXX   XXXX   XXXX   XXXX   and  this is what it states regarding this collection company.   They are a    XXXX   XXXX   XXXX   XXXX   XXXX    filed on   XXXX   XXXX   XXXX  . The companys filing status is listed ad Inactive-Dissolution by Proclamation/Annulmen and  its File Number  is  XXXX .   The Registered Agent on file for this company  Is   XXXX   XXXX   XXXX  and is located at  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I received an alert that the amount increased on a voluntary repossession that happened in     XXXX   and has already charged off and the car was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
I have been trying to work w ith Fay Servicing for over a month. They have approved a modification ; however even after reviewing our financials they have set the payments higher than the loan amount. When I called to see if there was anything they could do I was told no the amount was based off the information I provided. I have called 2x a week for a moth to be told the account manager was not available and advised to leave a message. This company has no interest in helping anyone. I 've reviewed the term of the modification and they have set the loan for 20 years. Had they actually wanted to help us the term would have been set at 30-40 ye ars to make the payments affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have proven my standding with facts, and bank of america has shown no clarity or validation thats my debt. They responded with their rules with no proof of applicability and presumptions and threatened to report me to  XXXX  for an ALLEGED debt which is a computer error created by a  XXXX . boa are crimnals and now im going to show   XXXX   XXXX   americans how boa committs morgage fraud and steals houses. You really  XXXX  me off. Yu owe damages for punative and a  XXXX   XXXX  $ $ $ for using my name as a vessel/bond > fictitious name!!! YOU MISCREANT CRIMINAL LIAR FRAUDSTERS!!! CANT RESPOND TO ME AFTER HOW MANY MONTHS, ARE YOU CONFUSED? OR JUST GUILTY AS  XXXX ? thats not my name on that paper you  XXXX !! and i dont like your threats,  youcan t ake  XXXX  and shove it up your  XXXX , your response said you closed the account, SO CLOSE IT ALREADY AND STOP USING MY PERSONAL AND PRIVATE INFORMATION!!! YOU READ YOUR LETTER YOU SENT ME AND LOOK AT ALL YOUR     XXXX   UPS!!!     This legal notice being sent and delivered to you persuant to   XXXX     Statutes 48.081  NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETT ERS ) in  a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime unde r Title 39 U.S.C.  Section  3003, Title 18 U.S.C. 1302, 1341, 1342., and is pu nishable by up to 15 years imprisonment and {>= $1,000,000} fine.

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 2017-04-26 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:
Two days a go I received in t he U.S. ma il my " Experian '' credit report dated "  XXXX   XXXX    XXXX  . On " Pa ge 31 of 36 '' under th e section entitled " Record of Requests for Your Credit History, '' it notes that "   XXXX   XXXX   '' unlawfully accessed my " Experian '' credit report on "  XXXX   XXXX ,   XXXX  . '' This is NOT mine. I am a Victim of Identity Theft.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Receivables Management Systems in   XXXX  . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability A  ct ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and me  dical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please note that withholding the information you received from any medical provider in an attempt to b  e HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to a  llowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In the   XXXX   XXXX   XXXX   I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In  XXXX   XXXX , I received a notice of debt collection from Transworld Systems Inc. I sent a written notice on  XXXX   XXXX ,  XXXX  demanding immediate cessation of attempts to collect this erroneous debt.   On  XXXX   XXXX ,  XXXX  I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,  XXXX   XXXX   XXXX  demanding immediate cessation of attempts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: IL

Complaint narrative:
To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

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 2017-04-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: LEXISNEXIS
State: IL

Complaint narrative:
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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:
In     2015   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX   XXXX     and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the  one  I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks late r on    XX/XX/2015    th ey took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien o n    XX/XX/2015 . I  have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disp uted this Public r ecord with all three creditors and it is still on 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 non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
In the    XXXX   XXXX   XXXX    I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In   XXXX   XXXX  , I received a notice of debt collection from  XXXX   XXXX   XXXX . I sent a written notice on   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this erroneous debt.   On   XXXX   XXXX   XXXX   I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation