vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is our 2nd complaint on this file with CFPB. The initial complaint was not resolved, however it was closed out by CitiMortgage. Our current complaint is that CitiMortgage countered the buyer on our short sale on XX/XX/XXXX. Our buyer agreed to the counter offer on XX/XX/XXXX and we submitted the necessary documentation to CitiMortgage at that time. I then had to send numerous follow-ups to get a confirmation of receipt. After my 3rd request placed on XX/XX/XXXX our negotiator confirmed receipt and indicated she would work our file that day. On XX/XX/XXXX the negotiator indicated she was waiting on an internal document that pertained to the value to proceed and that it should be back " in about a week ''. On XX/XX/XXXX I was contacted by XXXX XXXX advising me she is the new contact on my file. On XX/XX/XXXXI hadn't received an update and asked for a status. I inquired how CitiMortgage could counter the buyer 's offer if they were waiting on an internal document that pertained to the value. My e-mail was rejected and it was then that I learned the file had been assigned to a new negotiator XXXX. I messaged him inquiring the same and although he responded it still doesn't make sense that a form pertaining to the value that is important enough to delay our file isn't on hand - yet they can counter the buyer 's offer. He indicated that the form that the previous negotiator ordered doesn't apply to our area of the country so he would order something else. I sent a follow-up on XX/XX/XXXX and was advised that there is no timeframe in which the document he has since requested will be provided. As of today our file still hasn't been approved - we are nearing 30 days from when the buyer accepted the counter offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Agency of Credit Control
State: CO

Complaint narrative:
I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to correct my credit report for 10 years now!!! 
It says I lived in New York in 2009 ... I have never been to New York in my entire Lifetime!!! 
My identity was stolen some time in 2009. I have written Transunion several times over the years to try and correct this fraud, and every time they say they correct it. 
Just received my new report ... same New York address listed on the report. 
Tried calling them, can't speak to anyone there, just a computer.XXXX Can't access their website either.

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 2018-04-11 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: DISCOVER BANK
State: CT

Complaint narrative:
I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
New complaint same issue. 

2nd time Citizen 's bank did this to us! Ridiculous. 

XX/XX/18 I noticed my Mom 's acct was left with XXXX dollar after having XXXX dollars in it from her combined pension and social security. My mom is totally XXXX and I am her guardian to which I provided paperwork on file when we opened our bank accts. for me being her joint owner to this acct. 

When opening my friend 's acct XXXX XXXX the bank associated assigned our joint acct to my mom 's acct. I did not correct it when I had found out, but XXXX 's direct deposit was set up going into moms ' acct. While moms Pension that say ANNUITANT COMM OF PA and I do not think the bank explored this that this is showing her pension being deposited since opening the acct. 

Well, as fate would have it without warning, the bank takes my MOM 's money leaving her with XXXX dollar in the acct. She only gets her pension and social security once a month to spread across medical bills, mortgage, bills, food, utilities, life insurance, and living expenses with dad. 

What I do not understand is, if they saw that XXXX and My mom only have 1 acct. this joint acct. and XXXX has his sole acct. how do you wipe out an acct between two accts that shows he only has {$490.00} ( out of {$500.00} in Mom 's acct ) left in the bank in total? NO consideration to their living expenses or bills or anything! 

That in an of itself is incomprehensible. And for this bank to boast and pride itself on being friendly and family oriented is a straight flat out lie. 

So to this end, they took my moms ' money by which the response to my complaint may be ( like my other compliant ) that XXXX and Me are the ones considered as sole owners to this acct with no trace of my mom being on the acct. And that they still have the right to take money no matter whose it is. And it will be so convenient that they will not have any paperwork that applies to me being moms XXXX  and me opening up her acct. and us being joint on it like they just said in my last compliant when taking the XXXX 's entire paycheck out to cover my negative balances. 

There are no breaks for hard times for the customers who may be struggling, by a bank who is by no means hurting or struggling. There are reasons people are not covering their negative balances as quick as the bank would like, and to not explore those reasons or to see how to assist whether offering resources or options, is crazy. 

Our loyalty to this bank means nothing. And I am floored that they have taken a XXXX woman 's last {$490.00} dollars leaving her with XXXX dollar bill and not practicing or maybe not subscribing to the Lending Code. 

Totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We feel we are now being being forced to file this Complaint because XXXX XXXX XXXX, hereinafter referred to as Nationstar, who now goes by the name of Mr. Cooper, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. We took out a loan with XXXX XXXX, XXXX on XX/XX/XXXX. Due a financial hardship in the fall of XXXX, we fell behind in our scheduled monthly payments. The last time a payment was made on this consumer debt obligation was XXXX of XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. On XX/XX/XXXX and XX/XX/XXXX, purportedly The XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX, and not in its own capacity, was assigned the beneficial interest under the Deed of Trust and not the Promissory Note. At the time of these purported transfers, the debt was contractually due for the XX/XX/XXXX payment. Nationstar  purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, Nationstar and XXXX of XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess us from our home without the legal right or authority to do so. Despite years and numerous attempts, they have failed to validate the debt and have failed to provide us with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although we have taken legal action against them, they have not stopped and refuse to stop their collection and enforcement activities. We are filing this Complaint to make the CFPB aware of their wrongful, deceptive, and illegal actions. The California Supreme Court, the highest court in this state of California, confirmed in a XXXX ruling that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt, collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. Nationstar and XXXX  XXXX XXXX XXXX as Trustee are engaging in acts that are causing substantial harm not only to us but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by. They must be held accountable for their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I recently did a lease buyout on my XXXX vehicle. Both the dealer and Nissan/XXXX  XXXX, who the loan was with, told me not to make my last payment as it would be paid through the lease buyout. I asked them repeatedly if they were sure and it wouldn't affect my credit. They both assured me that it would not negatively affect my credit. Unfortunately, it has been reported as a late payment and severely impacted my FICO score. I would like this 30 day late payment to be removed from my score as it is not accurate per their direction, from the actual creditor who informed me not to pay it as it would be paid by the lease buyout.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have had to deal with these people before. I don't know why they keep saying this debt is mine. I have not been in any hospitals since 2009. So this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My falsely XXXX cousin received an insurance check due to his mother 's death in the amount of around {$1200.00} in XX/XX/2018. He forwarded me the endorsed check and a power of attorney document to cash the check and get him the funds. The check was written off of PNC Bank. I spent about three weeks trying to get the power of attorney wording corrected and filed with the Register of Deeds only to get one declination after the next. I had a US postal tracking number to show that the envelope was mailed from the prison itself. It was a good check, but PNC Bank would not cash their check. They did Not offer a check cashing fee as an alternative. My cousin and I have the same last name. PNC Bank offered no option to cash the check written off their bank. It had become a life and death situation, and they kindly expedited Legal review, but PNC XXXX declined the third draft of power of attorney. Their review process was averaging four days per  document review cycle. PNC Bank fails at customer service. My online review is at XXXX XXXX   XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX To whomever it may concern, I noticed that my credit report pulled through freecredit.com has many errors and inaccurate reporting. I believe you have them listed erroneously and I would like to have them removed immediately. Below are the accounts you have listed. 

1 ) DEPT OF XXXXXXXX XXXX {$7900.00} This account is not late and is showing on Experian only as late payments 2 ) XXXX   XXXX {$1500.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? DOBLE JEOPARDY DOUBLE REPORTING 3 ) XXXX   XXXX {$380.00} COLLECTION ACCOUNT SHOWING AS A REVOLVING LINE OF CREDIT WITH PAYMENTS SHOWING I'VE NEVER PAID THIS AS I DON'T OWN THIS DEBT SO HOW CAN THEY REPORT THAT I MADE ANY PAYMENTS?? ALSO ISNT THIS A DUPLICATE UNDER DOUBLE JEOPARDY MUST BE REMOVED 4 ) XXXX XXXX XXXX THIS DEBT WAS REMOVED BECAUSE IT IS NOT MINE WITH A LETTER FROM XXXX XXXX SENT TO ME AS I WAS NOT RESPONSIBLE THIS WAS NOT MY ACCOUNT 5 ) XXXX XXXX XXXX XXXX {$940.00} THIS IS NOT AN INSTALLMENT ACCOUNT IT IS A COLLECTIONS ACCOUNT I DO NOT OWN THIS DEBT SO IVE NEVER MADE PAYMETS TO THEM HOW CAN THEY REPORT LATE PAYMENTS ON A DEBT THAT ISNT MINE? 
6 ) XXXX XXXX XXXX/XXXX XXXX {$3900.00} SHOWING 3 MONTHS OS LATES THESE ARE REPORTED WRONGLY 7 ) XXXX XXXX XXXX   XXXX XXXX THIS IS NOT LATE THIS CAR WAS TOTALED IN AN ACCIDENT AND INSURANCE PAID THEM LATE REMOVE THE NEGATIVE REPORTING 8 ) XXXX XXXX XXXX TIME SHARE LOAN WE HAD REMOVED FOR FRAUD BACK IN XX/XX/XXXX REMOVE THE LATE STATUS I HAVE THE PROOF THEY NEVER RESPONDED TO MY DEMAND TO PROVE LETTER. 

Please remove these accounts immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: NH

Complaint narrative:
XXXX XXXX XXXX, XXXX Tx, with blatant and contemptuous disregard for the consent decree obtained against them onXX/XX/XXXXby The Consumer Financial Protection Bureau, ( File # XXXX CFPB XXXX XXXX has been harassing me for almost a year about an alleged medical debt that they claim is owed to their client, XXXX XXXX XXXX XXXX. I have never even been inside the nearest XXXX XXXX facility, which is about 50 miles away, nor have I ever been treated at, or provided any services by any XXXX XXXX facility. I am not certain that XXXX XXXX is even aware that XXXX is making these allegations. XXXX deliberately waited almost a year from the date of a procedure that I had at a small local hospital, then demanded payment, claiming that I was " uninsured ''. I am XXXX, entitled to Medicare, and carried a Medicare supplement policy. The procedure was fully covered by this insurance, with no deductible and no co pay, and my insurance coverage was accepted by the providing hospital. After I explained this in my first letter to XXXX, they then asserted, that " Well even if you were covered, our client didn't know that, and it is now too late for them to file a claim. '' ( untrue ) I wrote a second letter, again explaining that their client didn't even perform the procedure. I recently received a response from them stating that there was no new information in my second letter, and they did not intend to re examine the case. 
Presumably they still consider that this money is owed, and at the end of their last letter they made a point of noting that they had not ( yet ) furnished any negative information to any credit reporting agency. I took this as the most thinly veiled threat that they would do so if I failed to cooperate. They are doing now exactly the same things that triggered the consent order against them in XX/XX/XXXX. 
XXXX has not even attempted to verify this debt or produce any proof or documentation explaining why I owe money to a hospital I have never set foot in. Further, they are letting weeks or months elapse between correspondences, in an effort to further obscure the facts. 
I am a XXXX year old woman in XXXX health, and have had to spend countless hours attempting to defend myself against this baseless and frivolous attack. It has taken a very heavy emotional toll on my retirement, to say nothing of the wasted hours. 
My present XXXX score is well above 800. I will now have to request frequent credit reports for the foreseeable future until this matter is resolved. 
I am still considering a separate complaint regarding the release or escape of my personal information from the original hospital in violation of the HIPAA statutes without my consent. 
I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: NV

Complaint narrative:
I have attempted on 3 occasions to have Equifax and the debt collection agency to accurately report the account information. My chapter XXXX bankruptcy was discharged on XX/XX/XXXX and I have two collection accounts still reporting as open with a balance. This creditor was included in the bankruptcy filing, however they did not file a claim. I have sent a letter to collection agency requesting that they report it as closed/charged off and two disputes with Equifax to correct the error. After my first dispute filed on XX/XX/XXXX, completed on XX/XX/XXXX the account was corrected to a {$0.00} balance but still reporting as open. I filed another dispute on XX/XX/XXXX and shows it was completed the same day, now the accounts show the balance again and are still reporting as open. These same accounts have been reported as open with a balance since my bankruptcy plan was confirmed in XXXX of XXXX. The collection agency reports every month so that it refreshes the timer, essentially so they can damage my report for more than 7 years. These accounts are no longer able to be collected. While they do not contact me in an attempt to collect the debt, the inaccurate reporting is hindering my ability to effectively rebuild my credit.

Company response to consumer: Closed with explanation