vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I noticed a XXXX account on my credit report- which was not mine. I contacted the company and they told me they did not have my information. I then contacted experian on X/XX/17- was told that my personal information may have been mixed up with someone else and they would investigate however, it remains on my credit report. I called again and was getting the run around

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 2017-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp
State: AL

Complaint narrative:
This is XXXX XXXX I have been dealing with Equitable Acceptance and now have XXXX XXXX XXXX XXXX contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with Equitable Acceptance has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with XXXX XXXX XXXX XXXX. <P/>Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: CA

Complaint narrative:
My name is  XXXX   XXXX  I am a   XXXX   XXXX   XXXX   who obtained private student loans from  XXXX   XXXX  total of {$43000.00}. For my education. I graduated in   XX/XX/XXXX  and  immediately I started making payment from  XX/XX/XXXX  a total of $  XXXX  /Monthly. Here is th e summary of my loans  : 1.   {$66000.00}, Paid in total since  XX/XX/XXXX   2.   XXXX  I have paid in capitalized interest.    3. { $76000.00} is my current balance.  <P/> I tried reaching out to Navient to explain that I am going through financial hardship and I cant pay anymore and if they can settle for $  XXXX , they refused.  <P/> Summary of my situation I have never borrowed money from Navient.   Now I Navient all of sudden started contacting me and telling me that they are  XXXX   XXXX .   They used information I provided to  XXXX   XXXX  and started taking money from me.   At the time of signing my note, I was never told that my loans will be turned to someone else, they never told me what my interest rate is, never told me how and when I should pay it, never told me that my interest rate is variable, and now I am in th is big miss and dont k now what to do.   I am seeking your help in resolving this issue with Navient. At this point I believe that I never borrowed any money from Navient, although I paid all this money to them thinking they are  XXXX   XXXX  but they claim to not be. Please advise me what to do at this point. I am in serious financial hardship and cant pay anymore that what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: WI

Complaint narrative:
To whom it my concern : My husband and I had a bankruptcy on XX/XX/XXXX, our home was not in the bankruptcy it was to be reaffirm, either the bank got the reaffirm or did n't I keep trying to get our credit for the mortgage and US bank keeps tell me its the credit report that is not recorded. I had to go bankrupt because my husband was unemployed and I could n't keep up on the payments. So we went bankrupt. So we had problems with mortgage payments, so US Bank help use by getting with a Home Affordable Modification Program, but they did n't tell us it was a 54 year mortgage. When we sigh the mortgage we thought it was for 30 years. My last mortgage account number that shows up on my credit report is from XX/XX/XXXXaccount number XXXX, now we have a new mortgage number which is XXXX that started on XX/XX/XXXX. So it 's a new mortgage so why is n't it getting reported to the credit report. We want to know why it does n't get reported. I need help to fined out why they wo n't reported, I have not missed a payment we pay our taxes, and Insurance with the payments. I have sent a letter to, US Bank XXXX XXXX default Management XX/XX/XXXX, on XX/XX/XXXX, Credit Bureau Dispute. I have called the XXXX on XX/XX/XXXX to see if it was them but they looked into it and it was US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, KY 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 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I was conditionally approved for a Deed In Lieu ( DIL ) back inXX/XX/XXXX. I signed the DIL documents with a notary assigned by the Select Portfolio Servicing ( SPS ), the mortgage company, inXX/XX/XXXX. The DIL was filed with the XXXX XXXX XXXX and XXXX XXXX onXX/XX/XXXX. However SPS continued to report me as late pay and delinquent to all three credit bureaus for XXXX, XXXX, XXXX and now XXXX,  as we enter this new month. <P/>I sent certified letters and copies of the DIL to all three credit bureaus showing them I no longer own the property that I was alleged to be late paying on and asked that they address my credit file accordingly. No action to delete or update the file to show it was turned over to the mortgage company was initiated. <P/>In effort to work with SPS, I obtained a copy of the DIL at my own expense and forwarded it to them on XX/XX/XXXX. The refused to honor this document. I went a step further, to contact the third party vendor, XXXX XXXX paid to file and forward the DIL to SPS. When I called, they told me they could not speak with me about the matter of forwarding my DIL documents to SPS, because I was not their client. <P/>Today, despite trying to rebuild my credit after a divorce, which is what precipitated the DIL, I continue to be harmed financially by SPS 's negative reports to the credit bureau by and the bureau 's negligence in addressing my credit file, despite the proof having been provided to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For several months now ( since XXXX 2016 - current month ) every 90 days I have received a letter in the mail from Chase Bank, informing me that my application for the Amazon.com Visa Signature card has been denied. I have Never once applied for this credit card. I saw these inquiries on my XXXX credit bureau report and have filed a complaint to XXXX to remove these credit inquiries from my credit report as well as placed a Fraud Alert on my accounts in case they try to apply for this card again. After calling Amazon about this issue, they told me to call Chase bank. I have spoken to Chase bank twice now, once on my own and most recently through a Chase banker inside the bank and they told me to contact XXXX. Today I finally got a live agent from XXXX on the phone and they would not help me until I gave them my SSN, address, and birthday. They said they ca n't do anything about the applications under my name aside from trying to remove the inquiries and I just have to depend on the Fraud Alert to call me if someone tries to open that card under my name again. I asked the agent if there was anything else they can do to help me find out who or where this identity theft was applying for the Amazon Visa Signature card from, and they told me to contact Chase Bank. Like I said above, Chase Bank could not help me. Hopefully the inquiries under my name stop but I wish there was more Chase, Amazon, or XXXX can do to help me protect and restore my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried several times to get derogatory and outdated items removed from Equifax and there information is not up to date I have incorrect information and never get to dispute it by the time I get to the final page it always says this page unavailable my score is way off and I need suggestions and or help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX  suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX  /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt

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 2017-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Care, LLC
State: AL

Complaint narrative:
This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
<P/>
Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: PA

Complaint narrative:
While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to Equifax, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
While reviewing my recent credit report, I found several unauthorized inquiries as well as incorrect accounts. I sent a certified letter to XXXX, as well as submitted disputes online asking them to remove the inquiries and both verify and validate the accounts in question. Today I received a letter via mail, explaining that I did not need to give consent for inquiries to be given on my credit history. As these are inquiries that are not associated with any account, I do not agree that any company should be able to request my credit file without my written consent. They still have not provided validation or verification of the debts shown.

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 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, XXXX Approval letter given XXXX XXXX, XXXX - earnest money {$1000.00} was given to XXXX XXXX agent XXXX XXXX, XXXX - Nation 's Lending withdrew an appraisal fee of {$440.00} from my account. XXXX XXXX, XXXX - Nations Lending withdrew an additional {$59.00} from my account for an appraisal cost. XXXX XXXX, XXXX Denial of credit letter received from Nation 's Lending. XXXX XXXX, XXXX - Anticipated closing date. Talked with lender XXXX XXXX about situation. He stated all funds should be returned to me. XXXX XXXX, XXXX - talked with XXXX XXXX 's manager who stated appraisal fee would be returned but earnest money should come from agent. No date of when this will happen. No communication since this date and no funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
OnXX/XX/XXXX, I faxed a re-application to Navient to maintain an Income Contingent Repayment plan for my two Department of Education Consolidated Parent Plus Loans. These loans are approximately {$250000.00} at an 8.5 % interest rate. I had been notified by Navient by U.S. mail that the deadline to re-apply for ICR wasXX/XX/XXXX. My communications with Navient are by U.S mail only, by my request, not by email messages. Today, XX/XX/XXXX, I contacted Navient by telephone because I noticed on Navient 's website, where I pay my loan payments each month, that my ICR payment had risen from {$780.00} to {$820.00} although my income verified by my XX/XX/XXXXfederal income tax return had decreased by {$2000.00}. Navient informed me in that telephone call that my re-application was defective and Navient had notified me by email onXX/XX/XXXX that my application had been denied. When I informed Navient that I had signed up for paper communications only, I was told I had signed up for email notifications and that the new amount was in place because my application was defective. Navient then offered to place my account in forebearance while I straightened out my application. I declined a forebearance because I did not want interest to accrue while I put an ICR in place. My complaint is that Navient did not inform me by U.S mail that my ICR re-application was defective, increased my payment amount without notice, and lied to me by stating I had agreed to accept email messages as notices of my repayment plan status. While this increase may be small, my income is extremely tight -- I struggle each month to pay for both health care and for student loan payments. I am a XXXX year old single woman who lives on XXXX XXXX and XXXX when I can get work. The Navient customer service representatives I first spoke to were not pleasant and I was hung up on 3 times before I was able to find a rep who assured me she had taken steps so that I will receive paper notifications for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of 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