vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Acceptance Corporation
State: NC

Complaint narrative:
M. Leonard and Associates are trying to collect a debt that my ex-wife put me down as a responsible party in XXXX. I have been divorced from her since XX/XX/XXXX, Fourth Judicial District of XXXX, Montana XXXX File Number XXXX. The courts phone number is ( XXXX ) XXXX. I was not responsible for any of her debts after the divorce, nor have I been notified by this collection agency. The only reason I found it, is that M. Leonard has reported the debt to my credit reports without my knowledge. She is committing fraud, and identity theft. Please remove this from my credit reports immediately. Should you need a copy of the divorce decree, please let me know, or the court can supply a copy with the information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My account with Nissan Motor Acceptance Corporation ( NMAC ) was settled on XX/XX/19 ( See attached ). It  is showing a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX  and XXXX  ( See attached ). I called the ( 3 ) bureaus asking them to remove it from my credit report. I was told that it couldn't be removed at this time. I would like help of removing it from all ( 3 ) credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I pay my mortgage every month on the telephone. Over the course of about 1 1/2 years I missed two mortgage payments due to two separate motor vehicle related emergencies. XX/XX/2019 I called to make my monthly mortgage payment and the mortgage company refused to take my payment and told me I had no choice but to file a modification application. I had been receiving several of these packets in the mail, but the company kept accepting my payment and I had no real need to apply for a modification. Although I'm on Soc. Sec. Disability I still a very much able to make my payments since my mortgage is only about {$700.00} a month and my household bills are minimal, and not to mention my mortgage was projected to go down to {$600.00} a month this year. So I filed my modification and even offered a months mortgage as a down payment, but my application was denied they said, because it hasn't been quite four years since my last modification and according to the last modification, I can't file another one for four years. Now, I'm on disability, I've been in my home for 21 years, I have two large dogs and I will not, can not and am not able to move. I feel I was pressured into filling out this paperwork and then denied in an attempt for the mortgage company to take my home. The missed payments were not back to back. Other than this I've always made my payments. I was also told that foreclosure doesn't begin until 4 payments are missed. Now, I'm 6 payments behind because of me filing the modification and the wait period. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter from Macy 's stating that they will not renew my Macy AMX card beyond the expiration date. I called and asked why, and they told me that I did not meet the criteria to qualify to have the card renewed. I asked the agent what the criteria is to qualify and was told " we don't discuss or disclose that information to our customers. '' Macy 's is a company that pushes its associates to get customers to apply for and obtain a Macy 's credit card. Then when you use the card Macy 's wants to complain and the lower the credit limit ( which Macys has done twice with my account ) and then not renew your account. A growing and popular trend among credit card companies is to frequently pull a credit report on a consumer to " review '' their account and then lower or decrease the credit limit closer to whatever the balance is on the card at the time of the " review '' and then complain that the consumer is using too much of the credit limit or that the proportion of balance to credit limit is too high. Then the credit card companies expect the consumer to pay the full balance while at the same time continuing to charge interest on an account the consumer may no longer be able to use and refuse to work with the consumer for an amicable solution. It's only when a corporation is sued or is subject to action taken by the government against the corporation, then the corporation wants to play the victim. At a time when Macy 's is struggling and is going through tough financial times and having to close stores and lay off employee I don't think upsetting and alienating the customers is a way to increase business and sales to help a company that is already struggling financially and prevent Macy 's from following behind Sears in filing bankruptcy and will probably go out of business in the next five years.

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 2020-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I was in a grace period after I graduated, but couldn't find a job so I applied for an IDR plan. I turned all of the documentation in well before my due date. The website states it will be processed on XX/XX/2020 and it's been on hold ever since. I keep calling and get told the run around. They keep saying I don't owe anything but can never send me it in writing. I log in and it says I owe XXXX and change due XX/XX/2020. I've repeatedly told them I can not afford that, it's over half of my gross income. They refuse to process my IDR application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: TN

Complaint narrative:
I have been listed as the Executor of my parent 's estate ( XXXX and XXXX XXXX XXXX ) in XX/XX/XXXX. Ascension Point Recovery did send me a notification of 2 accounts that has been placed with them thru the mail. A female representative called me in the early part of XX/XX/XXXX. I explained to them my parents probate has been closed. The representative did mention she sent a claim to probate. The female representative starting asking me if my parents had any assets ( house, bank account, car ) etc. She also asked my why did they open a probate case. I felt the question was very inappropriate and illegal. I would like this company to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Back in XXXX I found on my credit reports this XXXX collection. I have had it removed from my XXXX  report finally but now my XXXX and Experian are still screwed up. XXXX handled the XXXX  or it ' because I have credit monitor but they should handle it too. but here is the point. the address on the bill is not mine. I've never had XXXX nor would ever in my life would I now have. I would in my opinion have others never use XXXX has they lack the ability to fact check and I will continue to report them to every because I can find until this is resolved because this has caused me financial hardship. because I was in the process of combine debt and now it is even worse due to them. i should not have to be made victim twice for their stupidity. i should not be inconvenience for their inability to do their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: ERC
State: NY

Complaint narrative:
the account is closed and thee collection company keeps reporting it as new and updating late payments every month. no one has sent me proof of the balance reported is correct. It is affecting my credit report by showing as active and open. It should be a closed collection account. The credit reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
We have a safety deposit box with Wells Fargo Bank N.A., branch location, XXXX XXXX XXXX, XXXX XXXX. XXXX. A letter dated XX/XX/XXXX was received stating that this branch will be closing XX/XX/XXXX, and all boxes need to be closed by XX/XX/XXXX or the box will be drilled & contents secured at a central repository. We reside in XXXX  for 6 1/2 mos. out of the year and will not be returning to XXXX  until the end of XXXX, XXXX. 
We are able to access our deposit box by the end of XXXX. We are not comfortable with anyone opening the box & the removing the contents as there are personal & private items contained there & thats the reason why we chose a safety deposit box to begin. I called the branch involved and was told this is our only option. 
Thank you for your help and consideration in this matter.

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 2020-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the last resource that I am taking to try to solve this issue. JP Morgan Chase Bank is reporting a late payment on my credit report from for XX/XX/XXXX on my Mortgage Chase account # XXXX XXXX, highest balance {$530000.00} I am requesting that JP Morgan Chase Bank Mortgage remove the late payment from my record. The reason : that late payment occurred due to a serious health condition of a family member. ( See Attached proof ) My dad was hospitalized on XX/XX/XXXX. The hospital decided to let him go home XX/XX/XXXX but unfortunately, he had to go back to the hospital on XX/XX/XXXX because his health condition got worse. I am the one on my dad 's XXXX. I was under severe taking care of him, and my dad 's XXXX  needed to be XXXX. This has been a very difficult situation and it has had a big psychological impact. 

One month later all this started, I found that I was late on the account. I immediately made the payment but by that time I was already marked late. I have a perfect record of on-time payments since XXXX, date when the account was opened, and this is an account of over {$500000.00}. By the time that all this happened, I had over {$50000.00} in the bank, which was more than enough to make the payment. The late was not because of a money issue or ever worse, because I did not want to pay. 

Again, this was a situation that I could not control. This is causing me health issues myself. This situation is overwhelming, its really stressful. Also, my dad feels guilty because of this. This is causing family issues as well. It was my priority to take care of my dad when all that happened. Again, I have never been late on my account. I believe I deserve to have this late payment removed. 

I hope to have a positive answer. As I mentioned before, this is my last resource. I already checked my credit reports and the account has not even been investigated or marked as disputed. Also, I did not receive any mailed notification when the payment was reported as late. These are three serious violations under the FCRA. I am willing to take this to the next step and let a court decide about my situation. 

Thanks to whomever reads my complaint. 

Please forward attached documents to Chase : - Letter faxed to Chase, which they ignored - Fax confirmation - XXXX Bank statement showing funds - Proof of hospitalization ( letter ) - Pictures of family member hospitalization

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Ballybunion Enterprises, Inc
State: KY

Complaint narrative:
I am writing this complaint because I believe Freedom Acceptance Corporation ( FAC ) has violated my consumer rights. FAC financed a fee called Voluntary Debt Protection Coverage ( in the amount of {$230.00} ) to my loan, in which I believe this product is in violation of the Military Lending Act ( MLA ). The another violation is of Fair Debt Collection Practices Act on this account, FAC was inaccurately reporting the balance of my account on my credit report. 

Timeline of Events : On XX/XX/2020 I saw that I had an outstanding debt with FAC in the amount of {$700.00}. 
On XX/XX/2020 I contacted FAC about this outstanding debt and they informed me that it was now with XXXX, a collection company. I knew the outstanding balance was incorrect and the interest they added to the loan was in violation of the Military Lending Act interest cap of 36 %. They were charging 56.19 %. 
On XX/XX/2020 I filed a complaint with CFPB ( Complaint number XXXX ) reporting this MLA violation on AmSher. 
On XX/XX/2020 XXXX responded that they would be returning the debt back to Freedom Acceptance Corporation. They also provided copies of my contract which shows that FAC financed in a product that is in violation of MLA. 
On XX/XX/2020 I contacted FAC and once again they have transferred my account to another collection agency, XXXX XXXX XXXX XXXX, as of XX/XX/2020. 

I believe I owe {$0.00} due to the fact that they financed in a product that is not allowed into this loan and collected 35.95 % interest on that product for the whole term of this loan. They also are inaccurately reporting the amount due on this loan to the credit bureau. In addition to they continue to transfer this invalid debt to other debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony Bank XXXX : To whom it may concern, I have been through a horrific experience with Lowes/Synchrony during the past 10 years dealing with this flooring installation matter that happened in XXXX and thought it was resolved, but here we go again, it is still biting me in the butt as it shows unresolved. Here is what happened as a quick overview : Purchase new flooring/installation from Lowes in  XXXX They offered me interest free financing It took them an additional 4 months to install after breaking toilets and having issue with product They extended my interest period and offered discount to remedy Interest Hit!!!! 
Went to Lowes, they just switched banks to Syncrony, said they would fix it would take a few weeks After multiple visits and phone calls to them, I actually witnessed them acknowledging to Syncrony bank of their mistake. Synchrony/Lowes says it would be fixed fast forward Still not fixed Bounced around multiple execs/higher ups/ said they would look into nothing I pay all my bills, at this point, it was just the principle of being screwed over Nothing happened, wasnt fixed Fast forward to XXXX Buying home They recommended me paying minimum payment toward account as it was showing negative impact on credit until i got house Tried to resolve again after buying house last attempt.. Talked to managers reps you name it, NO Resolution promises, but nothing. 

It still shows up as I did not pay. I paid in full and god knows how much over what I was actually supposed to pay. I want to get this resolved as it is reporting completely false once and for all.

I am even willing to pay {$250.00} out of my own pocket to remedy this situation as a worst case scenario. Please show me that you care and remedy this situation asap. 

Best, Lowes-XXXX This is the letter that I was told to mail. I sent 2 followed up with emails and phone calls. I was hung up on twice and they would not let me speak to anyone in a management position that would have the ability to help. I've also disputed this through a third party credit specialist company 3 years ago and 3 times in the past 2 months with XXXX  & XXXX XXXX. During that time, they actually hit my credit report with an unauthorized 30 day late payment that dramatically affected my credit report by -40 pts. They did resolve that after an email & additional dispute, but still had a detrimental effect on my credit report.

This judgement is placed purely in principal and it will not waiver. As you see my credit report it shows approximately 45 accounts in superior standing and only 1 that has been serving me unlawful injustice for the past 10 years. 

Please help!

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: WA

Complaint narrative:
I received a letter in the mail, addressed to XXXX XXXX account number XXXX From Syergetic Communication , Inc. It said I owe - - {$3700.00} but that we could " settle '' by XX/XX/XXXX for {$920.00} We do not owe that to XXXX XXXX it has been paid long ago. Called XXXX XXXX to make sure we were good and they said we were fine Debt was paid long ago. They did a search under mine and my husband 's socials and there weren't any other current accounts for us. They stated they would send SYNCM a letter. Checked credit report- everything was fine. The address we are supposed to mail the payment to isXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ID XXXX. I looked up this company and the reviews show them doing this to many other people as well. I Won't contact them as I don't want to give them any of our info and I saw from the letter that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us 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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I asked to downgrade by Citi Prestige Card to a card with no annual fee. Citi did that and downgraded my card to a Citi Double Cash Back card. At the time I downgraded the card, Citi told me that I would have 60 days to use my Thank You Rewards Points. However, immediately, my points were eliminated. I called Citi and they said I can still use my points, but must book flights over the phone to do so. I was told to call XXXX ( both in writing and over the phone ), but that number simply gives you advertisements. I told Citi this when I called the number on the back of my card and they said to press " 0 '' when I called that number. I did, and it hung up on me. I finally called the number on my card and was transferred to a points redemption specialist. But that specialist said to book a flight over the phone, they said they would charge me a {$23.00} telephone booking fee. Even though I can not book the flight online. None of this was disclosed to me when I  downgraded my card. To the contrary, they simply said I would have 60 days to redeem my points.

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 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
We have requested a payoff for XXXX and XXXX XXXX via email on XX/XX/20 and XX/XX/20. We have received no response as of yet. When trying to contact a live specialist to resolve this matter ( multiple times and days since the XX/XX/XXXX ), it goes straight to a message stating that someone will call back within the next business day. No one has called back to address this matter. We are not able to order one through the automated system. We are closing on this file and with no way to get a hold of someone or no response we are going to have to delay. We need a payoff ASAP but there is no recourse for a resolution.

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 2020-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX BANK OF AMERICA- Last reported XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX- Last reported XX/XX/XXXX {$1400.00}

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 2020-02-21 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX- Last reported XX/XX/XXXX, {$1400.00} LVNV FUNDING LLC- Last reported XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with explanation