vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services
State: ND

Complaint narrative:
my family and others received threatening phone calls, asking them about my legal assets, threatening that I did a fraudulent act, Abusive language. The people that have been calling are XXXX XXXX, XXXX XXXX. Phone number is XXXX, Integrated Recovery Services is what they go by. I have no problem paying a past debt, I just would like a validation letter and where the debt originated. I told them this, asked them not to contact me, asked them repeatedly to stop calling my family members. I have no idea how they obtained my family members names or phone numbers. I have also reported them to my States Attorney General. They have threatened to call my employer, which I informed our HR department about. Any help with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: GA

Complaint narrative:
Equifax is reporting an incorrect date of birth for me. I contacted them ( Confirmation Number XXXX ) and instead of correcting the date, they added my statement providing my correct birth date as a " Consumer Statement ''. 

There is no indication that they attempted to contact a reporting agency to correct my birth date nor looked at roughly 40 years of credit history to verify my assertion of birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XXXX17 - Using the MoneyGram website I made a transfer to my sister in PR as she needs the $ right away due to the emergency in the island. I made the transaction for {$350.00}. The company took the money from my checking account in a few minutes and made available for pick up. However, when my sister went to get the money the MoneyGram at XXXX in XXXX PR said that they have a restriction and that the amount can not be for more than {$150.00}. That I have to split the transaction. I called MoneyGram they can not split the money right away. Then, they recommended to go to XXXX in XXXX to pick it up, but I called XXXX and they said the same thing. I called back MoneyGram, and apparently XXXX will be able to give the $ to my sister.  As soon as she can call me I will communicate this to her. My complaint is that : 1 ) MoneyGram website did not mention the restriction before taking the money 2 ) If I request a refund I have to wait 10 days to get it back in my account 3 ) I paid {$36.00} for immediate delivery of funds ( which they do not want to refund ) 4 ) this is a real emergency there is limited communication and my sister needs the money for her family NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been struggling to make my student loan payments for the last XXXX years since XXXX of XXXX. Since then my interest had added over XXXX to the debt to date. It took XXXX years before I was informed of the rate reduction program, that none of the employees seemed to know about, instead they offered forbearance and loan payment deferments, which kept the interest building. I am currently unable to make payments and they are unwilling to help. My current debt to date is XXXX on the private loans and XXXX on the federal loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NV

Complaint narrative:
XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CT

Complaint narrative:
XX/XX/XXXX - Applied for PSLF because I started working for a XXXX XXXX and noticed that I now qualify for this as long as I remain at a XXXX  for 10 years ( 120 consecutive payments ) XX/XX/XXXX - spoke with a representative about my options with repayment that was going to come up in XX/XX/XXXX, once my forbearance was over. I was informed that my monthly payment could be roughly {$620.00} a month because of my family size and our income. NOT taking into account of our other obligations, medical expenses because my husband has XXXX XXXX, household expenses ( mortgage / electricity / oil ... etc. ) credit card and other student loan and personal debit XX/XX/XXXX - recertified my income based repayment schedule family of three, found out I was XXXX with XXXX, also help support my parents who are now approaching their XXXX because they help watch my daughter during the day while I am working XX/XX/XXXX - payments began in the amount of {$420.00} a month. This is the lowest that they could have done for payments for our family and income. They did not consider the fact that I have private loans with XXXX and a house and medical life expenses. 

I began making monthly payments since XX/XX/XXXX, trying to break it up into two to three payments within the monthly period. This is nothing but a stressful struggle. I reached out asking if there was anything else that could be done to lower this a little more, but did not get anywhere. 

Tried to consolidate and reduce my monthly payment for the two student loan lenders combined and was denied because of debt to income and the little amount we have available in our savings. 

I have asked numerous times if we could get the payment down to around {$300.00} a month, a little more reasonable living in CT and paying such high taxes, but no one is willing to cooperate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay card will not let me get access to my data through third party services. It is my info and I want to use another service to manage my finances and they are blocking 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 explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.

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 2017-10-19 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: AZ

Complaint narrative:
On XXXX XXXX, XXXX I wrote a dispute letter to Experian questioning the accuracy of a XXXX on my credit report. I also attached a letter from the XXXX XXXX as well as a letter from XXXX XXXX. XXXX XXXX I received my credit report stating the XXXX  was verified. XXXX XXXX I sent a letter to Experian asking them to reinvestigate as well as XXXX of XXXX. On XXXX XXXX I received a update credit report stating that the information was accurate. They failed to provided the XXXX of XXXX. 

All documents supporting this matter are attached in order.

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 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

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 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have checked my credit report and Equifax states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed Equifax of the issue but they do not address the issue that the same accounts were posted twice on the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Beginning XXXX/XXXX/XXXX, I have received hourly calls from Comenity Bank. The calls start at XXXX am and end around XXXX pm, always from an 'Unknown ' or 'Private ' number. The first couple times I answered, they hung up and the time after that, they refused to identify who they were. When they finally identified themselves, I asked them not to call so frequently and informed them that it was to the point where the hourly phone calls were harassing at which point they rudely asserted that they are allowed to call me hourly if they wish. After asking for my cell number to be removed, on XXXX/XXXX/XXXX, they began hourly phone calls to my parents ' home. They were rude and threatening to the point that I could n't even have a conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I went to the school which is now out of business and have no cerrtifications nor am i qualify to get a job in the field for which i went to school for. i am having problem XXXX the rent, and i had to return to school to get a better job to pay off my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
XXXX/XXXX/XXXX {$400.00} I called numerous times and no-one answered

Company response to consumer: Closed with explanation