vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX today re-aged my original bankruptcy date from XX/XX/XXXX to XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.

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 2017-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
RE : CFRB Case XXXX Navient States : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have confirmed that Navient services one Spousal Consolidation Loan on your behalf. Due to non-payment, Navient filed a claim with your guarantor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The claim was returned on XX/XX/XXXX. Because we were not able to resolve the past due amount on your account, on XX/XX/XXXX, this caused the loss of guarantee. XXXX did not pay the default claim and Navient continues to service your loan as an uninsured student loan. We have submitted an update to the National Student Loan Data System ( NSDLS ) to update the status to Defaulted Uninsured. By signing the Promissory Note, you have agreed to pay the principal and valid interest that accrues on the account in full. Please contact us at XXXX if you would like a copy of your Promissory Note. If you are interested in bringing your account up to date, please contact our Cures Department at XXXX. 

The purpose of consolidation may have been to take advantage of loan forgiveness programs offered through the Federal Government. By Navient illegally converting this loan to a non-federal loan, those opportunities are eliminated. The promissory note that was forwarded was specifically for Federally guaranteed loans. If a signed Promissory note for NON-federally guaranteed loans can not be produced, then these related accounts need to be expunged from our record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, XXXX and Transunion demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the XXXX and Transunion freezes.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, Experian and XXXX demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the Experian and XXXX freezes.

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 2017-09-20 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
We are making more than the minimum payment so the loan can be paid off. I asked specifically for the extra money to be placed on the principle, but they refuse. Even though we are making extra payments every month, our next payment due date is in 2025. 
They refuse to put the extra money on the principle. 
I asked for a payoff amount and they wo n't give me one, because of the problem with the interest on money that is projected out to 2025. 
They wo n't allow me to make separate payments on the two loans. I have to pay one amount and they decide how it is allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: SACOR FINANCIAL, INC
State: MI

Complaint narrative:
A collection company called SACOR FINANCIAL with their representative called XXXX XXXX XXXX, came to our house in XXXX broke our garage door took XXXX XXXX and his XXXX truck to their possession told us because we have a judgment against us that they can seized any valuable things from us for non payment. I was XXXX XXXX XXXX was in a XXXX because I never, never knew my husband took a loan on my name and his without me been aware of at the first place. 

He paid {$5000.00} to get both cars out. Then XX/XX/XXXXthey came again took his car again lucky for that time mind was n't there, that time he could not do nothing to get it back because he was n't working. 

In XXXX they again came to the apartment I am at, took my XXXX XXXX XXXX car away I called SACOR FINANCIAL asked them how can I get my car back, SACOR told me I have to talk to XXXX XXXX XXXX which I did, he said to pay {$2000.00} to him then agreed to make a {$500.00} direct withdrawal payment. I asked both parties to tell me how much was the loan, the {$5000.00} plus both cars taken how much left on the loan both parties can not say why?. I report the matter to BBB they investigate but still nothing so BBB told me they ca n't do anything since both parties refused to corporate so if I want I can take the matter to court and see. I can not afford one so I do n't know what to do. Now thru research on XXXX I came across with you people, I said let me give it a try and see what you guys can help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: TX

Complaint narrative:
On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.

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 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I recently filed a complaint with CFPB on XXXX/XXXX/17 regarding two accounts with Midland Funding. First account amount resulting in {$630.00} and second amount {$580.00}. Midland responding with " Cease and Desist '' but stated I still owe for these accounts even though per Midland Funding policy " we stop credit reporting on accounts that are more than two years past date of delinquency. The response also stated to refer to an law office which would mean that I was sued by them and have no such knowledge of and was n't properly notified. I have yet to be presented with proof of ownership for these accounts I also have yet to receive any supporting documentation for these accounts. Nothing has been done to verify the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, 2012 {$240.00} disputed over the phone and mailed in paper work that shows its included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: MD

Complaint narrative:
My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : X/XX/17 Date spoke with credit collections : X/XX/17 I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. 


My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. 


What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. 


Thank you, XXXX 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 2017-09-20 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: AES/PHEAA
State: WV

Complaint narrative:
I have completed a two terms of service with XXXX as a XXXX XXXX XXXX, and have been awarded two {$5000.00} educational awards. On XX/XX/XXXX, I submitted a {$280.00} payment from my educational award, through the XXXX payment portal, authorizing this payment to my loan servicer, FedLoan. As of today, this payment has not been processed by FedLoan, or credited to my account. Further, on XX/XX/XXXX, I authorized another {$280.00} payment from the XXXX payment portal, from my educational award, which still has not been processed or credited to my account. On XX/XX/XXXX, I conducted an internet chat with a FedLoan representative, in order to see what can be done. I was not given any answers, and as of this morning, neither payment has been posted to my account. I have also made numerous phone calls, all without success as to why these payments have yet to post.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XX/XX/XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PINNACLE RECOVERY, INC.
State: FL

Complaint narrative:
We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I had a charge off on my credit bureaus from Swiss Colony, and I decided to make it right by paying the total amount. I called Swiss Colony to make sure the amount was correct, and I found out that the total was {$590.00}, with {$140.00} to go to their sister company XXXX XXXX. The account number is the same for both companies, XXXX. There is no way I would have spent XXXX on candies. I had to pay Swiss Colony through a collection agency, XXXX XXXX. After Swiss Colony had verified the full payment, I called them to see when they were going to pay XXXX XXXX ; everyone played dumb, and they told me I owed Swiss Colony all of that {$590.00}. Friday, XXXX-2017, XXXX XXXX showed up on my credit bureaus. It had n't been on there all the time I was paying off Swiss Colony, why now ; because, Swiss Colony decided not to pay XXXX XXXX their {$140.00}.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen Loan Servicing deliberately mishandled a payment I made through their XXXX XXXX XXXX in XXXX XXXX XXXX. Again, the payment was made through their XXXX XXXX service and I have confirmation. The company has routinely ignored my inquires and recently sent me a statement alleging the charges for that payment were reversed. I confirmed with my bank that funds transferred. I am in the loan modification program and ensured that I was never 30 days late throughout. I believe this is a deliberate attempt by Ocwen to break the law as they have done with so many other homeowners. Today, some unidentified person was on my property. When I confronted them, they said, without producing any identification that they were there on behalf of Ocwen. I am being harassed and I have done everything right. Homeowners are at the mercy of this unethical company and citizens need your help. Please advise next steps.

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 2017-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, Last year I applied for a rate reduction program due to financial hardship that made if difficult to make my monthly payment. At the time, my spouse was unemployed and we only have one income for a family of XXXX. I have been making the payments monthly as my spouse was able to get another job. Recently, he became unemployed again and that has put us in another financial bind, causing my XX/XX/XXXX and XX/XX/XXXX payments to be missed. We are struggling and have to figure out how well make it day by day with food for us all, gas, rent, etc. Weve even had our two vehicles repossessed and had to borrow money to get our vehicles back so we can get to work. My loan is only eligible for 12 months on forbearance that I used years ago as a young student not understanding the terms. This loan was even originated for a school ( XXXX XXXX XXXX, XXXX, PA ) that lied to me about the degree I enrolled to receive and did not tell me that I was instead receiving a certificate until several months of attending. I am not stuck with a loan that has no impact on my career and nothing to show for. 

I want to make payments under the reduced plan even though that is even an amount that I struggle to make, but can not afford the past due balance. I called Navient and was advised there were no options available other than to make the payment or be negatively credit reported by XX/XX/XXXX. 

I have absolutely {$0.00} in our bank accounts and even now trying to figure out how to feed my family. Because the {$150.00} is even difficult to afford, I plan on canceling the Direct Debit so that I can make biweekly payments as the one large payment monthly is very difficult with now a family of XXXX and limited income. Please help me in having some success in repaying the student loan.

Company response to consumer: Closed with explanation