vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: FL

Complaint narrative:
I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.

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 2017-12-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: QuickClick Loans of Illinois, LLC
State: VA

Complaint narrative:
on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

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 2017-12-07 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: TX

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
more than six months ago my account was disabled for no apparent reason, I tried to communicate by all means existing with coinbase but I do not receive any help, only emails to delay the help, I have all my funds there and I need to solve the problem what before The Coinbase support is really bad and they dont try yo help at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.

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 2017-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
XX/XX/XXXX - My monthly payment was due with Mr Cooper - I called Mr Cooper because my automatic payment had been cancelled and ask them if I should make my monthly payment and they said yes - I made the payment XX/XX/XXXX - I receive a letter from XXXX XXXX saying that my loan had been transferred and that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX or get a late fee XX/XX/XXXX - I called Mr Cooper and they said the payment had n't been posted so I needed to call back on XX/XX/XXXX XX/XX/XXXX - I called Mr Cooper, they did n't answer or return my call XX/XX/XXXX - I called Mr Cooper and they said they had the money and it would be transferred to XXXX XXXX at some point - They would n't give me a day or a time - They would n't put it in writing that they will transfer the funds - I have no assurance that the money will go to XXXX XXXX or that I wo n't be charged a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off 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 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

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 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is a fraudulent account. Ive never done an business with XXXX XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with PORTFOLIO RECOVERY ASSOCIATES several times to no avail. PORTFOLIO RECOVERY ASSOCIATES refuses to provide me with the documentation Ive demanded them to provide me with, PORTFOLIO RECOVERY ASSOCIATES, refuse to remove this account out of my name and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rushmore Service Center, LLC
State: NY

Complaint narrative:
Rushmore Services persistently contacted my employer 's office after I asked them repeatedly not too. I asked to be contacted by mail if they wish to discuss a matter with me. After some research on my own they were attempting to collect a debt that was paid off. Not only have they harassed me at my place of employment, but they have a debt that has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alorica Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX called my cell phone at XXXX this morning. They asked to speak with XXXX XXXX. I said this was she. She then asked to verify my mailing address. When I said I did not want to verify my personal information until I knew what the call was in regards to she said we are not a telemarketer and we are not trying to sell you anything. This is about personal information we will call back later and hung up. The call lasted 1 minute and 21seconds. 

I felt very uneasy since she would not tell me the purpose of the call and also did not leave me a toll free number to call back. I do not like the fact that someone has personal information about me and wo n't tell me what they need. 

I called them back at XXXX and asked to speak with a manager. I was transferred to a XXXX XXXX. I asked if she was a manger and she said she was. I asked her if she would please tell me what this call was in regards to as the last person hung up on me when I asked. She said it was a personal matter and she would n't tell me anymore. I asked her if it was her company 's policy to hang up on people when they asked for that information and to not give a toll free number out at the end of the call. She said they would not go round and round with me about this and that they would move on to the next call. I asked to not receive anymore calls and for the phone number to their headquarters. She gave me the corporate number and the CEO 's name. I told her it did n't matter what she called herself she was a telemarketer since she called me from an automated dialer. I told her that I knew there were laws about calling cell phones and about not stating the purpose for the call and she said my threats meant nothing to her and then she ended the call. The call lasted 4 minutes and 59 seconds.

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 2017-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.

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 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I am under a modification as of XX/XX/XXXX, I lost my job in XX/XX/XXXX, which was a challenge but at least I had unemployment to rely on for a few weeks, I got back to work in XX/XX/XXXX ( The job market here in Missouri is seriously askew with phony job postings by recruiters filing their data bases ). After landing my new job shortly after I had a XXXX  injury, not job related. I was on and off work for two months. I once again submitted paper work for financial assistance, and was denied. I read over Harp and I see no reason why I would not qualify for assistance, but was told my Specialized loan Servicing that there was no help for me. I have tried to get my house modified to market value for years, it still is not. Enclosed are the copies of my modification, and the demand letter for a XXXX dollar house that is worth XXXX. I was not sent this information in writing by SLS, I got the information from a phone call. I also have a list of SLS phone calls to my cell phone, asking for someone that is not me on my voice mail.

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.

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