vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay. 

Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks. 

So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. 


Best, 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 2018-08-08 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:
My name is Mr. XXXX XXXX XXXX XXXX and I am a victim of identity theft. I've notified all three major credit reporting agencies, which consist of XXXX   XXXX Consumer Dispute Center, Experian Dispute Center and XXXX Dispute Center. 

I have also placed freeze alerts with these agencies. I have also filed fraud with my bank, XXXX XXXX XXXX whom issued my wife and I new credit/debit cards and changed all usernames and passwords. I have also filed a police report with XXXX California Police Department. 

After I have reached out to Experian several times now in regards to inaccuracies on my credit report they continue to not only decrease my credit score everytime I dispute an inaccurate account or information but they also will not provide me with the investigation procedures and information they collected to validate the account. 

I requested them to provide in writing the investigation information but get nothing. I am being penalized for disputing inaccuracies on my report. Experian requested documents as proof and I have sent these documents to them, I also sent them my Identity Theft Police Reports and FTC Identity Theft Report, Number:XXXX. 

I have received DATA BREACH letters from Experian and still they will not update and remove inaccurate information from my credit report. This is my last straw trying to work with Experian, as I am trying to purchase a home and the total disregard for account verification has been overwhelming. Experian has dropped my credit score by 14 points, 20 points, 22 points, in the last month with no explanation just seems to decrease everytime I dispute the same incorrect info on my report. There is no change in information, so why does my score keep dropping? I am only disputing info that was already on 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 non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The following documents attached with this letter is an official police report from the XXXX XXXX Police Department. This document is proof that I was an identity fraud victim from XXXX to XXXX. 

Equifax continues to report fraudulent accounts that were open in between the dates listed above and it is severely hurting my credit reputation and good name. 

I have worked continuously hard to clear my name and my credit reports of these fraudulent accounts with numerous letters to Equifax to no avail. 

I sent an online dispute on XX/XX/XXXX, it has been more than 30 days and I still have not received any results. I demand that you permanently delete all fraudulent accounts that were opened as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
XXXX is violating my right to due process. They are providing misleading and false information attempting to make they loan unfavorable for all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: UT

Complaint narrative:
Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX   and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.

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 2018-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have 2 safety deposit boxes with Wells Fargo Box A ( 5 x 4.5 ) since XXXX and Box B ( 3 x 4.5 ) since XXXX. Neither of these have every had a delinquent balance and are up to date in payment thru XX/XX/XXXX respectively. I visited my Wells Fargo Branch XX/XX/XXXX to access both boxes since I had not opened either box since XXXX to inspect contents and determine if both boxes were needed. Upon entering the safe, it was determined that there were three ( 3 ) " B '' boxes, Two of the " B '' boxes would not open with my key and the 3rd " B '' had been drilled. After three days of research on Wells Fargo 's behalf, it was determined that my box " B '' was the one that was drilled open on XX/XX/XXXX. I  have never been contacted about my box potentially subject to drilling. This error was uncovered by my visit to access MY Box " A & B ''. ( Ironically, they were not able to get my key to open Box " A '' either ). The only information they were able to share with me were the names of the two Wells Fargo employees that were present at drilling the box. I was not allowed a copy of that form from Wells Fargo. Why do they have three safety deposit boxes with the same identification number and the same size in the same safe at my branch location. How secure it the identifying process when accessing and/or drilling. Why was I not notified of this error???? I believe Wells Fargo to be culpable for the fact that my box was drilled over 3 years ago and expect me to automatically believe that the box was found empty. I am not satisfied with offering to re-key and provide this box at no expense to me. This box ( " B '' ) was grandfathered from XXXX XXXX XXXX and has be {$0.00} annually since XX/XX/XXXX. How am I supposed to believe that this would not happen again with either of my boxes?? I met with the Branch Manager on XX/XX/XXXX and did not agree with his offer to re-key or give me another safety deposit box. I left the meeting stating that I would need to determine how I wanted to proceed. After talking with other professionals in the business, I determined that I should start with this agency, CFPB. As of today, I have not been contacted by Wells Fargo as a follow-up. My confidence and trust in my financial institution has been diminished greatly. I would have thought as a valued customer for this many years, I would have been a priority to resolve this to my satisfaction and instill a renewed faith in my financial institution, Wells Fargo.

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 2018-08-08 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: FL

Complaint narrative:
Both Equifax and XXXX report an account that is over the statue of limitations. The XXXXXXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hi - I have a mortgage loan ( for $ XXXX ) with XXXX XXXX which I was making payment on time via auto pay. Got a " loan transfer '' notice from Flagstar Bank stating that the loan has been transferred to them by XXXX XXXX as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. However, I did not receive a 'payoff ' or 'loan transfer ' statement from XXXXXXXX XXXX  and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and XXXX is saying they did not transfer the loan and Flagstar is saying they have my loan now and I owe payment to both the banks. So right now, this loan is claimed by two banks ( XXXX and Flagstar ) demanding me to make two mortgage payments on 1 loan.

I asked Flagstar for showing me a transfer letter from XXXX but they wont send it to me. Also, I dont have a new mortgage note from Flagstar which shows legally that they have a loan on the house. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. Best, 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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
numerous calls and text messages and I would like it to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: State Finance Company
State: TX

Complaint narrative:
Came to my job after repeated calls to my job. Spoke with me about my debt in front of my manager, even after my manager repeatedly told her she could not be here contucting her business. This went on for 20 minutes. The name of this business XXXX XXXX XXXX. XXXX XXXX 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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
I am a victim of identity theft and this account was opened without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I was dealing with two servicing agencies, AES or American Education Services and XXXX or XXXX XXXX until XXXX closed down. XXXX closed down and my loans were sent to AES. My monthly loan payment at XXXX was {$270.00}, but when AES took over the loans last month they raised the monthly payment amount to {$440.00}. Last month, which was the first month that AES took on the loan, they charged me {$270.00}. But this month they want to charge me {$440.00}. 
I already had one loan with AES previously and I pay {$320.00}. So I was expecting to pay {$590.00} this month and onwards for all the loans. However, now AES is wanting me to pay {$760.00} for all the loans. 
I spoke with AES on XX/XX/2018, and they told me that they changed the disclosure and increased my amount. I then asked for a different repayment plan, but they said that I have no other options and must pay this amount. I am on a limited income and can not afford this payment, but they refused to accept this reasoning. They do not want to work with borrowers. I have been consistently paying on all my loans and AES just decided to raise the monthly amount because they felt it was needed. 
This company is setting borrowers up for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
Called to make my payment with XXXX XXXX in XXXX, TX on XX/XX/2018. They hung up on me multiple times and refused to accept my payment. Now they are attempting to repossess my vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings
State: NJ

Complaint narrative:
I withdrew from school XXXX University online division, and every time I go online to see if my account has been fixed to see what I may owe the school or loans the numbers are different one day I dont have a balance the next day the the numbers are changed and I have a balance, the last time this happen they delayed my stipend for 4 months, I trir6talking to a supervisor and got no where I ended up going to the corporate office and it was resolved but now they are doing it again.i have pictures of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: OH

Complaint narrative:
My Loan was taken from a Credit Union and XXXX XXXX  XXXX XXXX in the XXXX 's and sold to XXXX XXXX. Eventually consolidated with XXXX XXXX XXXX. I received a call to fill out paperwork because I qualified for Loan Forgiveness.  When I explained the paperwork asked me to consolidate the loan to XXXX XXXX XXXX XXXX not forgive the loan. The explanation was the loan has to be consolidated back to the original Lender/Holder to be forgiven so I went ahead. I never heard anything further then my loan was in default. I brought it out of default and have been told I do not qualify for forgiveness. Now the loan is continually sold to services without my consent and every time I am contacted by a new servicer the loan amount increases by thousands of dollars. There is some sort of predatory fraud and scam being committed. The loan amounts I borrowed in school were around 15,000 and My has added interest from around {$30000.00} to not over 55,000 in the last 2 years. Something is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery is knowingly reporting false information to XXXX, which is damaging my credit rating. They have continued to falsely report it as an open, revolving account. They are misrepresenting themselves as a factoring company when I have never had any such agreement with them. They are not allowed to report it as a factoring account and list a past due balance as an installment loan since such account was not in good standing when they purchased it. 

This is a collection account which Portfolio Recovery Associates failed to validate under California Finance Code after numerous attempts. I have also disputed with the credit bureaus only to have them come back with verification of the " tradeline '' from Portfolio Recovery Associates yet never provided me with verification which violates the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NM

Complaint narrative:
collection company for XXXX XXXX is repeatedly calling me in an attempt to collect on a debt that they have not provided validation for in direct violation of the FDCPA. I have repeatedly told them to cease contacting me by phone and they continue to call and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education
State: CA

Complaint narrative:
Discovered that fraudulent student loans were taken out in my name due to identity theft. Filed identity theft report with FTC and notified all 3 credit-reporting agencies as well as XXXX. Got response from the credit reporting agencies, but XXXX will not acknowledge or provide requested information regarding the loans in question. Instead, they persist in sending demand letters and have requested that I apply for loan forgiveness without them acknowledging that the loans are fraudulent.

Company response to consumer: Closed with explanation