vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello I pulled my Equifax credit report and come to find out I have over 50 hard inquiries and I don't have no way in my life where they come from here are the list of them ... XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ..XXXX XXXX XXXX XX/XX/XXXX .. XXXX XXXX XX/XX/XXXX..XXXX XXXX   XXXX XX/XX/XXXX..XXXX XXXX/XXXX XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX all are from this one company it don't make since..XXXX   XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX   XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX sorry for long history I just want to get this remove off my credit report asap because it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The company, Mr Cooper took over my mortgage from Nationstar in XXXX of 2018. They lost my XXXX payment, added property tax to an escrow without my consent and have completely lost track of my payments, due to the most complicated accounting math I have ever seen. I have NEVER missed a payment. They have added late fees & service charges to my bill. I have been trying to resolve these issues with Mr Cooper for 11 months with NO success. The huge number financial papers they have sent me will require a CPA to decipher. I have submitted my bank records showing proof of my regular payments. 
I have made dozens of phone calls trying to correct these problems. I have all required documentation showing the ridiculous data they have listed on my account, saved. I can mail, email, Fax, what ever is needed. NO regular person would be able to understand these financial statements. They have lost track of there own complicated mathematical process and continue to harass me via constant phone calls & emails. They stole my payment and want to charge me for being a payment behind. I have never had a problem with a loan in 45 years. Mr Cooper is the WORST company I have ever dealt with. Your assistance would most appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: IL

Complaint narrative:
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

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 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
When my wife XXXX XXXX passed away last year, I closed this account as a authorized user not a joint account owner. I received a letter they can not prove I was an joint owner. However, my credit report still shows me as the responsible debit owner. I like this corrected, and have files disputes with Chase Credit Card and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX  Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX  Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX  Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX   Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX  Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: CL Holdings LLC
State: IL

Complaint narrative:
This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. 

In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. 

I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. 

So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. 
I need someone to look at this that knows how this should be, it just doesn't look right to me. 

Thanks for the help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: Navient Solutions, LLC.
State: NE

Complaint narrative:
Here are my notes from this dispute ... navient says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan!

Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through navient for a promissory note but none has been provided or found when asked from navient XXXX navient ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute 1-15 days pw : XXXX! 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XX/XX/XXXX- complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to navient lawsuit in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX a fraudulent purchase was made on my Bank of America credit card in the amount of {$500.00} at a XXXX grocery store in XXXX MI. At no time were the credit cards ( 2 ) out of my possesion. This charge was also accompanied by 2 fraudulent claims on the same day that were caught by Bank of America and reported to me, where I informed them that it was not me making the purchases. On XX/XX/XXXX when I received my bill, I noticed the charge and immediately reported it to Bank of America fraud department. They removed the charge pending investigation. On XX/XX/XXXX I received a letter informing me that my fraud claim was denied and I was liable for the {$500.00} fraudulent charge. I did not make the charge, nor was I in XXXX on that day. I would not grocery shop that far from home and the presence of 2 other attempted fraudulent charges on the same day should be enough of a red flag to uphold my claim.

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 monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I was evicted from my home. Im now receiving debt collections for a utility bill. This Utility debt is for XXXX XXXX XXXX. 
The debit collector shows as XXXX XXXX XXXX for {$250.00} which is incorrect because they are saying they show I moved in XX/XX/XXXX. I try reaching out to them over 3x for this to be correct and it hasn't. The Open date shows as XX/XX/XXXX on my credit reports but again I moved XX/XX/XXXX. Below I also attached a screenshot between me and housing company clearly stating that I left XX/XX/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 2019-02-03 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: NE

Complaint narrative:
Here are my notes from this dispute ... XXXX says i have A {$5000.00} loan dispirited to XXXX in which i was unaware of, XXXX never received, it is not on the national student loan website and there is no promissory note for this loan provided. It is ruining my credit score!!!! On top of that, i did have a {$2500.00} loan for XXXX University which i knew About, was applied towards XXXX and XXXX ( what was left over i only Attended XXXX for one semester ), i have And was provided a promisorry note on both sides and is on the national student loan website. They took my payments and dispersed my payments to both loans showing i never Paid off my original loan even though i did. Forced me into forbarence and did not offer me a repayment program due to my income without my knowledge. Ive disputed this with them and ombudsman group and i am Taking further action due to my age, family, income, and credit score diminishing due to this frustration. I just Want the loan removed as i never Signed for it, was granted it ( my parents make too much money ) and never received the loan! 
Student LOAN Ombudmanson says there is a promissory note false signature file dispute they say there is a note through XXXX  for a promissory note but none has been provided or found when asked from XXXX XXXX XXXX  ask for promissory note for XXXX loan and dispute for a false signature case XXXX if they dont resolve it call ombudmanson back XXXX   dispute : XXXX received promissory note for XXXX XX/XX/XXXX XX/XX/XXXX ombudmanson group case number : XXXX XX/XX/XXXX feedback.studentaid.ed.gov case number XXXX submitted dispute XXXX days pw : XXXX 
called XX/XX/XXXX to follow up because i did not hear from someone transferred to ombudsonsens group - closed with emailed me on the XXXX of this XXXX XXXX complaint case number need to call the ombudmansons group again - XXXX XXXX XXXX XXXX ombudmanson group new case number XXXX studentaid.gov/ombudmanson sending forward today contacting in 7-10 business days Gave up due to XXXX lawsuit in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, South Carolina on credit card XXXX Capital One Platinum MasterCard Security card for {$200.00}, while in Identity Theft my {$200.00} limit was allowed to purchase {$420.00} of services and I closed my account in or around XX/XX/XXXX. Without my permission they used my {$200.00} security deposit to apply towards my balance rather than return my security deposit to me. They have repeatedly up to date as currently as XX/XX/XXXX refused to remove any late payments that were under dispute and just keep sending letters or phone calls to delay the process They have also refused to send any receipts toward the charges applied to my account, but only will allow me to order statement copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have been selling on XXXX with two seperate Paypal account and they are now holding my money for 180 days on both accounts. I am unable to withdraw any money and am unable to pay my bills. This has left me in a very bad situation and i am now at risk of being homeless. Its my money and they have no right to hold it. They are saying i am linked to a negative account and i have repeatedly tried to explain that the account is not mine. I need help please and someone to listen to me and give me my money i worked for. I am a good seller with many positive feedbacks and i do not deserve the treatment i have received from Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
I was alerted to fake accounts in my name at HSBC bank. Upon calling and writing I recieved no resolution or response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
On XX/XX/2019, I was notified by XXXX that something from Waypoint Resource Group was posted to my credit report. Upon review, I didn't recognize the amount of {$130.00} or that company. After some research, I learned it was originally from XXXX XXXX, a local phone/internet company in XXXX XXXX, NV. I did have an account with them but have closed it over 2 years ago, returned all the equipment and paid my balance. Waypoint Resource Group has since posted the collection 2 more times to my account, each time I was only alerted by XXXX, never was I contacted by this company or XXXX. XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and again XX/XX/XXXX. I've attached a payment receipt for the closing of the account which shows the payment confirmation in the amount of {$130.00}, I can only assume this is the same account since I only had 1 with XXXX and as I stated, it's been closed for some time. Waypoint is fraudulently reporting this same closed debt over and over again in an obvious effort to pressure me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was alerted to fake accounts with Bank of America. I have atempted contact however no one would rrespond. I have been the victim of multple fake accounts. This has affected my XXXX career, access to funds, and personal Identity being stolen

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 2019-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have never heard of Midland Funding LLC.

Their monies owed is unfounded. I would like this so-called debt off my credit report immediately.

Company response to consumer: Closed with explanation