vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
On XXXX XX/XX/2019, at or about XXXX ( CA. Time ) I received a telephone call from a representative, stating he was an attorney from XXXX, XXXX and he was representing XXXX. As stated, by the representative from XXXX, XXXX this was an attempt to collect a on a debt for XXXX. I informed the individual, I was already in the process of repaying the loan as of XXXX XX/XX/2019. 
I also requested for the individual to send whatever information he had pertaining to the loan to my address on file with his company. The person that he will not send me any information through the mail to my address. I asked the person, if his telephone call was being recorded and he stated, yes it was. So, I repeated my request for the company to send the information pertaining to said loan to my address on file. 
The individual once again, stated he will not send anything by way of mail correspondence. He continue to go on stating, '' this is what happen when you do not take care of your business. We will be suing you for the loan debt, as well as any other additional costs. '' This company seems to work with or under different a name beside XXXX, XXXX, which is NMRC ( National Management Recovery Corp ). This company XXXX, XXXX as well XXXX personnel are crude, disrespectful, extremely rude. Their harassing calls to my number begins at XXXX ( CA. time ) and continues throughout the day. Now, they're threatening to sue me in court, and refuses to send me any form of written communications. I am attempting to repay my loan debt but this company refuses to listen, they just continues with their harassing bullying calls and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
Equifax is still reporting a hard inquiry from XXXX XXXX and I filed reports with all 3 major credit bureaus as well as with XXXX XXXX that this was fraud. This happened in XX/XX/2018. Someone in Alabama opened up credit accounts in my name ( I've never lived in Alabama ) with XXXX XXXX as well as XXXX stores. I got everything taken off of my credit reports so I don't understand why Equifax is still showing a hard inquiry from XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
You ignore my statements about the amount negotiated for my loan ( {$4500.00} ) you try to justify your illegal contract and fees that i did not agree to. IT IS STILL AN ILLEGAL CONTRACT.

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 2019-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: IL

Complaint narrative:
I am writing to report multiple violations that Volkswagen is committing against myself and that are affecting me in a huge way. This company is reporting a wrong payment history on my account. I have never been late. They are committing UNFAIR BUSINESS PRACTICES. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter demanding the proper investigation as that the law requires and the account is not being investigated at all. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED which is another violation under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. My rights are not worth at all for this company. 

When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR, and this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Volkswagen refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Thanks to whomever reads my complaint. 

Account : VOLKSWAGEN CREDIT INC Account Number XXXX. Date Opened XX/XX/2018. 

- Please see attached letter sent to Volkswagen and the proof of fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX is the original note date XX/XX/XXXX modification date XX/XX/XXXX maturity date Home Affordable Modification Agreement reads new principal balance {$490000.00}. 
Item C reads {$29000.00} of the principal balance shall be deferred and I will not pay interest or make monthly payments on this amount.The interest bearing principal balance is {$460000.00} at a 3.75 % fixed rate at 248 payments. 
Then a Balloon Payment Disclosure states a balloon payment of {$330000.00} will be due XXXX/XXXX/XXXX. I don't understand this loan and the payment doesn't make sense nor was it explained that way to us when we signed the papers that after paying almost $ XXXX we will need to then pay {$330000.00}. 
On XX/XX/XXXX my husband spoke to PHH customer service rep XXXX ID # XXXX and asked for clarification. He was told at the end of the 30 years we would have to pay about $ 30k and we are on track to pay this off in 17 years. XXXX said he didn't see anything about the {$330000.00} so he could explain that to us. Something isn't right and it looks like we are being defrauded. We attempted to refinance this loan recently but the loan officer ( XXXX XXXX XXXX ) said we needed to see a Real Estate Attorney to see if this loan was legal. She said it didnt make any sense to her and at this point couldn't help us. Something isn't right and the lien holder can't explain it to us. In addition to all of this chaos, PHH isn't applying our payments correctly. They took over servicing from Ocwen in XX/XX/XXXX and the nightmare continues just as it did when Ocwen was servicing the loan. Our payments are being put into suspense and applied to the principal balance when we are making a regular payment. That is triggering our account to reflect being past due and bogus late charges applied to our account. We need to know if this mortgage is legal, we need to understand it and hopefully get someone to refinance us so we don't have to deal with PHH anymore. I have sent them numerous emails about the payments not being processed correctly and it just continues to happen. They don't know how to service loans and can very well kill our credit/fico scores because of their inability to do their job correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2019 I was at a work meeting with my Administrator and CFO of our company. A call came through my Administrator 's personal line from Regional Acceptance Corp ( Loan company ) regarding payment due on my vehicle. i am currently behind 1 month, which is being paid on XX/XX/2019. The representative told my Administrator that this was a " personal '' call. Embarrassed, I had to take the call in front of my Administrator and CFO regarding this " personal '' issue. The embarrassment of having my personal issues reported to my employer is not the way to do you business. Now, they will continue to contact my Administrator. I had to hear my Administrator speak to my about receiving " personal '' phone calls at work, with regards to my personal matters. I have requested to have that number removed from my file. The young lady I spoke to is 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 2019-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have a private loan with Navient and the company gave me option rate reduction for 9 months and this could have been extended to 36 months I was told on the phone ( 9 months ago ) I set up ACH through my checking account to pay this. Now after 9 months they do not want to re-evaluate my situation ( my financial income has not been changed since 9 months ago ). I called Navient today I was told the rate reduction does not apply to me any more. I asked for them to provide me a letter reason why I can no longer be eligible for rate reduction the answer was " we do not have to provide that to you ''. I believe based on my income I am not able to pay both student loans private and government unless there will be a reasonable solution to this. For past 9 months rate reduction has helped me temporarily continue living above poverty and attend school. I believe Navient deliberately creating all kind of obstacles to repayment and their action is illegal and they are discriminating based on my origin ( my name simply can provide my nationality ) they refused to this day backing up their claims in writing and that is a red flag. 
I am willing to pay my student loans based on my income. I am contacting my senator and state reprehensive to my area to informed them about this fraudulent activity from Navient. The company has been under fire from other borrowers for same reason which is called a " deceptive business practice ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello ... My daughter and I has a Joint Account with this particular Bank..and shes also A XXXX In The United States XXXX ... On XX/XX/2019.. I deposited my XXXX   check mobile ... like I always do every 2wks ... I made 5 Transactions afterwards ... Then I checked my balance like always ... ... So ... The next morning XX/XX/2019 ... My daughter texted me and asked whom was this lady that XXXX my account ... I asked her what lady ... I dont know anyone by that name ... and that someone had deposited a couple of thousands in my account also ... and took hundreds out of my account ... There were Thousands of dollars deposited in my daughters account as well ... Do I asked her what is going on..so she called the bank and they told her the checks will have to clear ... So she asked about my account ... but they wouldnt give her any information ... so I called to see what was going on ... They told me the checks will have to clear before they can investigate ... and it will take until XX/XX/2019 to clear ... So ... I asked them what am I supposed to for 2wks ... that was 80-90 percent of my check gone ... ... So for a whole week I kept calling to see what was going on ... They still couldnt give me any information ... So..My daughter and I got on a three way call ... To talk to the manager or someone in the Fraud Department ... Theyre asking us did we give anyone our information ... Which was  insulting our intelligence ... Apparently my daughters and my Identity was stolen in order for this to happen ... and that bank is telling me I cant get my money back and it wasnt fraud ... so that left my account in a negative ... I seen some reviews on this banks site and there were some similar or the same issues happening to other people ... Im reaching out to ever Bureau, the police department, News affiliate etc ... Because this isnt right at all ... Hoping that something will get done ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
On Sunday, XX/XX/2019, at XXXX XXXX  ( CST ) I used Kohl 's credit card to buy some clothing from Kohls.com. 
The order amount was {$68.00} ( Order # XXXX ),  charged to my card. A couple of days later the order was shipped to my address and I was notified so. 
Due to some technical error between Kohl 's and the carrier, the shipment was decided to be returned to Kohl 's and not to be delivered to my home! 
Since then, I have contacted Kohl 's so many times asking them to refund my store credit card. Each time they insist that I have to wait for the merchandise to be returned to their warehouse first! 
Again, it wasn't my fault that the carrier failed to deliver. I have already waited about 14 days since they charged my card. I see no reason I should wait further to get my money since they didn't deliver the products I ordered. 
Please help me get the refund back. 
I also authorize my husband XXXX XXXX to discuss the issue with anyone on my behalf. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
Please be advised that this is my 11nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SD

Complaint narrative:
When paying off my loan, PNC has processes designed to make it inconvenient for the consumer to pay off the mortgage.

1 ) Payoff can not be completed on-line ( but any other type of payment is allowed ) 2 ) Automatic payments are cancelled without notice to the consumer when the loan balance is less than the monthly payment.

3 ) The last payment for the loan can not be paid via automatic payment and this limitation is not communicated to the consumer at origination.

4 ) The final payment must be a check, cashier 's check, or some other physical form of payment. 

When I called and spoke to XXXX, I asked why normal payment procedures do not apply to the final payment, I was told that it's because that payment does to a different department and triggers the lean release. This is an internal procedure that should not be visible to or impact the consumer in any way. 

I submit that they intentionally discourage paying off the loan to collect more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX , OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
To whom it may concern : Let me start by saying that I am in a uniquely advantageous position related to my student loans. I graduated from XXXX in XX/XX/XXXX and started to pay back my loans in XXXX. I was able to secure a job that provided me the ability to repay my loans at an extraordinary rate. Through the first couple of years I made minimal payments to Nelnet ( my loan servicer ). They processed these payments in a timely manner and I never had a complaint. However, once I started making much larger payments Nelnet was suddenly unable to process these payments and I kept receiving news that my payments did not go through even though they went through the month before with the exact same banking information. So, I would call and explain to their representatives that the banking information has not changed and they would politely inform me that I could retry the payment and all would be forgiven. 

Now, I can understand maybe I made a mistake with the banking information the first time and maybe even the second and third time but when the fourth time did not go through I grew very suspicious. The 1st, 2nd, and 3rd time I used their website and plugged in all the information myself. The 4th time I  contacted the representative office and gave them the information over the phone and had them repeat it back to me. Everything finally seemed as if it was going to work out. But then the following week I again received notice that the payment would not go through. 

This is when I started to do my research on Nelnet as company and found out that I am not the only one that seems to be having this issue. There are many people struggling to pay back their loans, and not because they don't have the money to pay but because Nelnet is just refusing to accept their payments. 

The most aggravating part about Nelnet is that they charge interest on the payments that they are refusing to receive. I am not a lawyer but that seems criminal to me. 

Lastly, I would like to reiterate that I am in the unique position and overall this issue has not affected me terribly. However, I think that the majority of people depend on their loan service to be consistent and ethical. Students take out tons of debt to try and better themselves and then are punished for doing so by these firms. Firms like Nelnet are taking advantage of students without consequence and they will continue to do so until they are held accountable for their actions.

Company response to consumer: Closed with explanation