vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
2 years ago I started my effort to Pay in Full my student loan Bill. I call XXXX XXXX many times to rehash the topic I was told by members of the US Department of Education loan officer that My loan was consolidated to my Ex-wife 's daughter, Not my " spouse and that I can not separate these loans apart. They said this is Fraud. I have called the Attorney General office, the Ombudsmen, and XXXX XXXX and heard them say the same word or term FRAUD! I have asked them to un-due, dissolve this consolidation going on for the past 2 years. Each agent I spoke with said the term '' FRAUD '' but send me down the road to another department having to explain to each agent the whole story coming back with fraud and consolidation could only be if it was for my Wife. Not " Step Daughter ''! 
So once again they send me and my effort to pay my student loan to another department to Again repeat the story. I am now in the process of hiring an Attorney to sue each and every one of these US Department of Education! They allowed this consolidation to take place knowing it to be fraud and not a CO-SIGNING. 
If you please advise me or procedures to have them do their business and stop pushing My Can Down The Road! This loan is now in Forbearance and I refuse to pay for a student who BTW works for a Non Profit organization and her real father was suppose to pat for most of her College education which UI believe this money 's was hidden from me by my wife at the time that she asked me to Co-sign. Thx You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I just pulled my credit report and found that Best Buy/CBNA is reporting that a joint account ( revolving credit card ) that i was the co-signer on is reporting as profit & loss with a balance of {$4700.00}. This came as a complete surprise to me as I have no debt other than a small personal credit card which i pay off monthly. I immediately called Best Buy/CBNA via the phone number listed on best buys website of XXXX and requested information about the amount owed and how i can remedy the situation and bring this to a XXXX balance. It took them around 30 minutes of hunting to even find the debt in question and they could not find it via any of my information and requested that i provide info on the primary borrowers info, at one point including his ss number, whom i co-signed for. I was able to give them his name and the last 4 of the account that shows on the credit report and finally they were able to find the account. Once they found the account they could then only tell me that they show a {$4700.00} balance but that they are not collecting on the debt and as such i could only make a voluntary payment and would need to mail a check to their PO BOX and that i should put the last 4 of my ss # on the check. I expressed that i was not comfortable with this solution and wanted the account number which they refused to give over the phone. I then requested that they send me a statement in the mail which they could not do because they were not collecting on the debt. The best option they would provide, and it took 30+ minutes to even get them to offer this, was to send me a letter stating they were not collecting on the debt. My issue is that the account was closed in XXXX and has had a growing balance for 4 years and at no time have i ever received any documentation, statement or other correspondence from the creditor to inform me that there was a problem ; much less an amount owed and delinquent. It seems completely unfair that they should be able to report to the credit bureaus trashing my otherwise perfect score and credit history that i am delinquent on an account and balance when they have not sent any correspondence to me seeking payment and then when i call to try to make payment I am told they can not take it.

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 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I received a letter from Nationstar Mortgage ( now called Mr. Cooper ) dated XX/XX/XXXX stating no mortgage payment had been paid " since XX/XX/XXXX '' and " all payments from and including that date '' were due. XXXX XXXX XXXX had the loan at that time and I knew some full and partial payments had been made after XX/XX/XXXX through the time we received a loan permanent loan modification at the beginning of XX/XX/XXXX and we now have documents that we finally received from Nationstar or Mr. Cooper which shows those payments even though Nationstar added {$170000.00} to our loan modification mortgage balance based on their belief that no monies had been received after XX/XX/XXXX. It also said that {$200000.00} had accumulated for late fees, NSF fees and other fees and advances. This may have been a mistake since the then Nationstar Mortgage was taking over the responsibility of so many of the former XXXX XXXX loans, however, I do want it corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
At this time I want to inform you that because your office is reporting invalidated information to the 3 major Credit Bureaus this action constitutes fraud under both Federal and State Laws. Due to this fact, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character On XX/XX/2018 I opened the following case with the CFPB XXXX. This case was closed today, but the information required by law was not provided in the answer from the company. I received the original instrument, according to state law ALLY financial has to provided deficiency notices in order to report a repo on my credit report. This was not received per FCRA this has to be removed because 30 days has passed and the company has not provided the legal requirement to have the right to report this on my credit history. There have been several miss-applied payments to the account in question. Each time a call was made to ALLY financial when each misapplied payment was made. 

IN addition to this, I have disputed the information on my credit file and ALLY financial should have notice of this information as well. 

The request to provide a notarized copy of the deficiency notices mailed to the address on file has not been satisfied. Legally this would be considered fraud. I will open up a case with the FTC and file a ID theft notice and seek legal action against ALLY financial for violation of FTC up to {$1000.00} per occurrence. 



Once again in a timely manner please remove this information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX/XXXX XXXX   ACCOUNT NUMBER #
XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX HOWEVER I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, AND XX/XX/XXXX HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX  ) XXXX   THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite three written request, Equifax remained uncooperative only responding to one of my requests and disregarding the other two. Also the response sent was a letter stating the disputed inaccurate accounts were " verified '' with no documentation to support the method of verification or accuracy of those accounts. The FCRA law is clear regarding my rights on how a CRA is supposed to investigate a dispute within 30-45 DAYS, which Equifax failed to do. This has caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
One Main financial calls, my employer and myself a minimum of 3 times a day. They call off multiples numbers. The main number they call me off of is XXXX. My employer and myself have request they quit calling my employer due to possible job loss for a personal loans calling multiple times a day. 
between my person and work phone calls equal to : XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 2 to cellphone 2 to work phone XX/XX/2019 - 5 to personal 1 to work phone XX/XX/2019 - 3 to personal 2 to work phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have account with Chase sapphire reserve credit card which includes {$450.00} annual fee and {$75.00} annual fee for authorized user in exchange to priority pass ( free access ) to lounges in any airport that has one. I did receive XX/XX/XXXX statement with due date XX/XX/XXXX showing 2 charges for priority pass guest visits, {$27.00} each, for XX/XX/XXXX. I did use a lounge in XXXX XXXX airport that day. We had 2 priority passes at that time - one was for myself, another was for my husband ( authorized user ). We had XXXX guests with us - XXXX adults and XXXX kids ( XXXX and XXXX years old ). Each priority pass user can bring XXXX more guests for no charge. Moreover the kids under XXXX years old is no charge. Yet 2 month later Chase decided to bill us additional {$54.00} on top of annual membership fee I paid in XX/XX/XXXX. It does contradicts Chase sapphire marketing and advertising of the priority pass benefits. I was trying to solve an issue with Chase sapphire reserve representative yet had no success. Chase rep was not able to explain why I was charged 2 month after my initial visit. Moreover Chase rep did not have any proof for number of guests I had that day. Chase rep said the charge was based on XXXX XXXX lounge information which contradicts the actual number of guests I came with. As of today I was charge for something I am not responsible for and Chase sapphire reserve does not want to help resolve an issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 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: NVR INC.
State: MD

Complaint narrative:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

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 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/2018 I got a loan in the amount of {$900.00} from XXXX XXXX. They advised on the phone before I received the money that don't worry about the amounts displayed on the screen we don't charge like that so I then decided to take the loan. Over the course of the loan they had withdrawn more than {$2300.00} without my authorization from my checking account and the money owed never went down. I advised my bank to refund their money back and to refund me all money taking on false pretense from the merchant Ally Bank advised they were in the process of returning the original amount deposited if I would continue with the dispute I advised that was fine. I call back and Ally refused to refund me my money for the unauthorized charges due to misleading people who would speak to you before you received your money, XXXX XXXX agents lie to consumers advising one thing and putting another on paper in order to continue to call harass and debit a customers checking account. They charge more than 300 percent in interest which is against the law to the consumer regarding a loan. Ally Bank acted like they were going to refund my money did a dispute and no money was received lost over {$2300.00} in unauthorized charged which I called the bank and advised them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
XXXX XXXX There is a BANK called XXXX  which main Company are in XXXX Texas XXXX. 

This Bank acquired a REVERSE MORTGAGE on my Property at XXXX XXXX XXXX XXXX in XXXX FL. XXXX under my name XXXX XXXX about more than 5 years ago, and under the account # XXXX. 

As having a Reverse Mortgage I do not pay any monthly Mortgages Payments I just Paid annually the Property Insurance and the Property Taxes. 

It seems that there was a balance of {$680.00} that I was owing to this Bank XXXX  but this BANK never let me know about this balance. I just knew about it three ( 3 ) days ago when I received a letter from a lawyer from XXXX telling that my house was going to be foreclosure and this Lawyer attached to his letter a Filing # XXXX filled for a Lawyers from XXXX XXXX Company named XXXX, XXXX XXXX XXXX XXXX phone # XXXX. 
This lawyer Company also never made a server to XXXX XXXX of this Filing for a NOTICE OF LIS PENDENS. 

When I XXXX XXXX received this letter from this XXXX 's Lawyer I asked my neighbor Named XXXX XXXX to read this letter as It was in XXXX and I only speak and read spanish. She told my that a BANK is trying to foreclosure my Property and my neighbor inmmediately called the XXXX XXXX and asked what happened?? 
Then a Representative from XXXX  told my neighbor XXXX XXXX that I was in default and owing this BANK the small amount of {$680.00} for a balance on a Property Taxes of the Year XXXX. Then the same day XX/XX/XXXX I get a CASHIER CHECK for {$680.00} and mailed by certified mail directly to the address the Employee from XXXX  told my neighbor. My neighbor told them that XXXX XXXX never ever received and statement from the XXXX XXXX that he was owing this money.. And never ever received a summon o a server from the attorneys XXXX, XXXX, XXXX XXXX XXXX. 
Then without any information from the XXXX XXXX in Texas and from the lawyers in XXXX XXXX, this BANK is trying behind my BACK to foreclosure my Property that has a REVERSE MORTGAGE from the Goverment. 
This is the complaint I would like to place with the CFPB because what this BANK XXXX  and the lawyers from XXXX XXXX they are trying to make me is a kind of FRAUD against me and my Property as I XXXX XXXX stated that never ever received any information from this BANK that I was behind or owing any MONEY to them. 
Then they are trying to FORECLOSURE my Property to a man o XXXX years OLD. 
I am enclosing support documentation and a copy of the check for {$680.00} I mailed to them on XX/XX/XXXX when I knew from the BANK I was owing this money and with a certified and return receipt letter. 
The BANK never ever sent me and statement notifying me that I have a debt with them. 
Thanks, XXXX XXXX XXXX XXXX/ Legal Representative XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Name is XXXX XXXX I am a homeowner and filed a claim with my insurance company XXXX which made good on a claim for property damage. ( Repairing my cabinets. I received a claim check from my adjuster in the amount of {$2500.00} for the repairs. On Saturday, XX/XX/XXXX I deposited my claim check with Bank of America, who immediately put a hold on the funds, stating that Nationwide, which is a National Company is infamous for insufficient funds. After an objection the banker advanced XXXX of my claim check, however, she applied without my knowledge applied the funds as nonsufficient overdrawing my account, and causing my phone bill to bounce. I've gone to the supervisor to the bank who refused to reverse the charges. I contacted XXXX claims, who advised me the check has cleared. I do not know what to do Bank of America is destroying my finances and showing no mercy.

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