vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX   XXXX. XXXX XXXX reported 4 late pyts to XXXX which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and XXXX  ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX XXXX after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my 4 grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call XXXX saying perhaps they could help me. All XXXX  did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX XXXX to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I have a mortgage with Ditech Financial LLC. I made my XXXX mortgage payment on time as usual, actually a few days early. When looking at my statement for XXXX I see a double payment due. I checked my payment history and found my XXXX payment was applied as a principle payment instead .I made my regular payment for XXXX. I called ditech and asked why and how this happened and was told they don't know. I asked for the payment to be reallocated and I was told they would. Since then I have called them 6 times with up to 20 minutes hold time because I keep getting told they will take care of this and they have not. Today XX/XX/18 I called again they said we are still waiting for your allocation to go through. I said I have waited a month now this will damage my credit score. I asked for the supervisor and was told he was busy with other customers. I asked for his direct number. I called a supervisor named XXXX XXXX got voicemail left a message and no return call. It is now XXXX XXXX. 
Secondly, .I have some kind of 2 % interest rate loan through the government. I got a letter saying due to my timely mortgage payments I will get a {$5000.00} principle payment on my loan. I had to fill out the Dodd Frank form  they sent me an I mail it in XXXX. I called they said they never got it. Sent it in again I was told not the right form ( which I got from them ). Third time sent me the same form I filled it out and downloaded a Dodd Frank form I found on line filled that out also and sent it certified mail. I got the receipt showing delivery on XX/XX/18. Called to confirm I'm told they don't have it. The form has to be done by XXXX or I will forfeit the payment. Due to these incidents and lack of any resolve I charge that Ditech is purposely trying to not have to pay the {$5000.00} by claiming to not have received the proper paperwork and intentionally not applying my payment to make it look like I have fallen behind which would also negate getting that principle payment. Now they are talking about foreclosure? I am fighting a giant corporation and really need your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: NY

Complaint narrative:
In XX/XX/2017, Tek-Collect placed a collection on behalf of XXXX XXXX XXXX to the credit reporting agencies. Per requirements Tek-Collect never sent a written notice. In addition, I noticed they recently ( within the last 2 weeks ) reported the collection to XXXX and XXXX. 

Would appreciate you help in this matter. Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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:
On XX/XX/2018 I sent a correspondence to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018, even though the recipient of it failed to sign for it, but according to the tracking it was received. The correspondence was in regards to an account ( XXXX XXXX XXXX   ) on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent on XX/XX/XXXX, to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX XXXX   where they admit that I was not responsible for another account after an investigation ; this current alleged account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have 4 business days to remove the account/item after the police report is received. It has been more than 4 business days since it was received on XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: GA

Complaint narrative:
I called Great Lakes in XX/XX/XXXX about what paperwork would need to be filled out by me in order to proceed with the XXXX Loan Forgiveness for which I qualified for by working in 2 XXXX for 5 consecutive years XXXX XXXX  and holding a XXXX XXXX.

I filled out one packet for each XXXX XXXX  as instructed and both boards signed the packets which were mailed in XX/XX/XXXX and sent via email and faxed.

Great Lakes is now saying the need two additional applications, one for each XXXX worked within the same county backed by the same board and signed off by the same person before they can proceed with filing the forgiveness ( which takes 90 days to process and forever to hear back if there is an issue. ) The qualifying XXXX are : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX county Ga XXXX ), and XXXX XXXX XXXX  ( XXXX  county XXXX ). All XXXX  in the state of Ga.

I hold a XXXX  in XXXX   and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXXXX/XX/XXXX - XX/XX/XXXX for struggling XXXX XXXX. I am now enrolled in my XXXX program and quickly running out of funds to play their games.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On XX/XX/2018 we immediately noticed a fraudulent {$1200.00} charge on our Citibank Credit Card. Because it was late on a Saturday night, we went on line and marked it as fraudulent and were informed that new cards would be mailed to us. I called back on the XXXX because the charge now showed up on our new card. I was told not to worry, that the charge would be gone in 5-7 days. I called back on the XXXX, 8 business days after the first call. I was told that the call on the XXXX didnt report anything as fraudulent and that she would take care of it and it would be gone within 5-7 days. 

I called again on the XXXX ... over 21 days since the original fraudulent report. I was told, again, that it was not in the record and being reported as fraudulent. This time I was transferred to Security & Investigations. He asked me where I kept our cards, did anyone else have access, did I file a police report and did I call the number on the charge to see why they had charged us. We do not have a XXXX account and we have never received personal services from Miss XXXX XXXX so I said NO!! I was then told that each fraudulent transaction is put into a que and handled from there and that it could takes 10-12 days ( business days ) to investigate and then another 5-7 days for the charge to actually be reversed. He apologized that I was not told this on my 3 previous contacts and that they would report my discontent with their process. Yah right! 

Well see. My main concern is that this charge was allowed to remain on our account and is part of the balance due right now. I was told to just subtract the amount from my payment, but I am very skeptical that I wont be charged interest and/or penalty for not paying the correct amount. 

This was incredibly frustrating

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 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir, On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. Experian responded to CFPB that Experian received the fraud alert dated XX/XX/2018 from one of the credit bureaus. I have membership in all three credit bureaus and verified the details of XX/XX/2018 Fraud Alert. XXXX XXXX received the fraud alert from Experian and there is no other credit burerao initiated the fraud alert. I have all three credit bureaus reports for last three weeks, only Experian initiated the fraud alert dated XX/XX/2018. Also, I have only one credit card open with minimal balance and there are no Auto/Home loans. Experian must provide the details of this fraud alert datedXX/XX/2018 and also any fraudulent company placed this fraud alert or anyone stolen my identify and placed this identity. I have also uploaded my identification details, SSN and various details to Experian multiple times through CFPB.I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Could CFPB kindly direct Experian to remove this fraud alert immediately from credit report without further delays. Could CFPB to direct Experian to provide the complete details of this fraud alert dated XX/XX/2018 and source of this fraud alert, any fraudulent creditor or bank used or any unauthorized company used my identify and placed this alert. I have also observed in Experian credit report, company called " TRUE LINK '' did soft inquiry onXX/XX/2018. I do not have any business with " TRUE LINK '' and why did they do any inquiry using my identification and social. " TRUE LINK '' inquiry is fraudulent inquiry on my credit file and I do not have any business and its completely false inquiry and how did Experian allow fraudulent companies to use my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to Experian which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and Experian ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX School after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my XXXX grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call Experian saying perhaps they could help me. All Experian did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX hospital to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.

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 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/2018, XXXX XXXX XXXX XXXX, reported me dead, while I was traveling overseas with my wife. I had been banking with this institution for 32 years, the action prevented me for getting into my funds at the time. Did not do anything drastic, which I should of, due to the 32 years with them I let them fix the error/issue or report. Took them 3 weeks, and still not 100 % as of yet. However, when I pull my credit report with XXXX, it shows that the person using my social security number was reported dead by USAA. I proceed to follow a dispute which is allow with XXXX, same came back XXXX XXXX, stating that USAA did not change their original report, meaning I still dead according to them, maybe time and place but still same report. I do not even have a credit score anymore and I was reported by them without credit history. Please tell me what to do? my full name is XXXX XXXX XXXX, XXXX. 

Please advise XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
In XX/XX/2018 I reviewed my credit reports and found ( 2 ) accounts that I do not have any knowledge, that I never opened. Both accounts under the account number XXXX are being reported for ( 2 ) different balances {$34.00} and {$1200.00}. 

On XX/XX/2018 I contacted the company Phoenix Financial Service by  letter disputing the account balance of {$34.00} the {$1200.00}. I requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report held with the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that this debt that can not not be validated be removed from all reporting bureaus. 

I have yet to receive any response. I have waited for over 30 days for the company to respond in a timely manor and adhere to compliance but they have not. I refuse to wait until this company decides to respond and put this issue right so under advise, I wish to informed Phoenix Financial Service that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA or 2. the deletion of this invalidated account from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation