vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Lending Club Corp
State: DE

Complaint narrative:
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The interest on the loan should have been lower because of the autodraft from checking account which should have resulted in a lower balance.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.

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 — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Starting XXXX XXXX, 2017, I was called by XXXX XXXX XXXX telling me that I needed to pay a loan that I received from XXXX XXXX XXXX XXXX. They were calling my job because they said that was the only number they had for me. They also asked for my address because they did not have it. I provided them with both my home number and my cell number along with my address because I thought they were referring to something else. In speaking with them I have received conflicting information on how they received the loan. I was told that they bought it from XXXX XXXX who in turn bought it from the state of Louisiana. XXXX has sent me numerous letters telling me that I must talk to them or they were going to garnish my wages. They have also called me on a daily basis threatening me with wage garnishment if I do n't set up a payment arrangement. I researched the loan in question with both Navient and the Credit Bureaus ( through XXXX XXXX ). All sources I have researched have stated that I do not owe on this loan. My balance with Navient is {$0.00} and I have no negative hits on my credit report because of this loan.

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 — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I received a letter/statement dated XX/XX/XXXX from a company called Ditech. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them on XX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( XXXX ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from Ditech. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that Ditech or XXXX had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 XXXX statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to XXXX, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by XXXX on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the XXXX statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to the XX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why Ditech says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
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: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX aka Navient aka XXXX XXXX ( predatory actions - collecting on charge off student loans ) XX/XX/XXXX it discovered {$450.00} was garnished from my pay and again XX/XX/XXXX. My company was not able to provide any details. 

After much research the company garnishing my pay was identified as XXXX. I immediately contacted XXXX ; XXXX would not provide any information regarding the loans and insisted that it was a court judgement. 
After several request, XXXX have not provided court records to substantiate the court judgement or loan origination information. 

XXXX informed me they are collecting {$90000.00} for a loan. I had co-signed student loans in the sum of {$20000.00}. for my son to attend the XXXX XXXX of XXXX XXXX, Florida. 

I needed to gather whatever information I could regarding the loans while diligently making payments. 
So, I reluctantly entered a payment schedule under due rest to avoid negative reporting to the credit bureau and potential termination of my employment ( I was an XXXX XXXX XXXX XXXX XXXX XXXX ). 

I completed the trial payment was turned over to Navient to complete the payment of $ 90,000.00+. 

Research showed my son defaulted on the loans while he was unemployed and began repayments arrangements with XXXX XXXX. The loans were charged off by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

How do I resolve this matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XXXX XXXX, XXXX. They claim that I owe a doctor for services rendered on XXXX XXXX, XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: TN

Complaint narrative:
I have a collection account reporting on my credit files ( XXXX, XXXX and XXXX ) named XXXX XXXX. The account is listed below : 1. XXXX XXXX ( Account Number : XXXX ) I am disputing this collections due to the fact that XXXX XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.

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: MD

Complaint narrative:
I submitted a request to Mr. Cooper to remove my hazard insurance from escrow account. I received response from Mr. Cooper denying my request. According to letter I received dated XX/XX/XXXX, they are saying reason my request was denied because of late mortgage payments between XX/XX/XXXX and XX/XX/XXXX. THIS IS NOT TRUE. I WAS NEVER LATE WITH ANY MORTGAGE PAYMENTS SINCE BUYING MY HOUSE IN XX/XX/XXXX. During this time period XX/XX/XXXX to XX/XX/XXXX I was under trial period mortgage payments which was a reduced amount  payment. This was a PREREQUISITE FOR QUALIFYING FOR A LOAN MODIFICATION. I was told by the mortgage specialist that this trial period payment " WOULD NOT HAVE A NEGATIVE IMPACT TO MY REGULAR MORTGAGE PAYMENT ''. Because of the problems I am currently experiencing and difficult time I am having to resolve them, the information told to me from the mortgage specialist was NOT CORRECT. I submitted complaint to CFPB ( XXXX ) explaining problems I am currently going through as result of my hazard insurance being added back to escrow. This was added with no communication to me. Since I never approved loan modification and loan modification was rejected hazard insurance should never been added to escrow. Because of incorrect reporting of me being late in mortgage payments, is preventing them to fix my escrow account. All my trial period payments from XX/XX/XXXX to XX/XX/XXXX were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Asked that a duplicate title release letter be mailed to me on XX/X/2017. 

Bank will only email me an " account status '' letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$660.00} XXXX, 2017,XX/XX/17. This company has put this on my credit report ( XXXX, XXXX, and XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patrick K Willis Company Inc
State: LA

Complaint narrative:
In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
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 is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.

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 status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.

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 — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Auto Trakk, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

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