vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have been told to send my situation to you. The problem is I had to default on an auto loan. Within a week of the finance company, BridgeCrest, reporting to me credit bureaus, I started receiving phone calls from solicitors several times a day. I used an email address for this loan that I only have used for 2 other contacts. I also started receiving spam emails & emails that contain inappropriate content. I have followed all the information to get these things stopped, with no avail. I just know that BridgeCrest released my private information to be used by these companies. Every time I receive a phone call, I do not answer & block the number. They call from a different number. I have over 70 phone numbers blocked and just deleted them in the beginning. I am looking for information to report BridgeCrest and the agency that calls me 2-3 times a day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I transferred all of my student loans to XXXX in XXXX of last year to hopefully qualify for public service loan forgiveness. I had 5 years of employment verified to count towards loan forgiveness based on my employer certification form. My loans were all transferred and I began making payments to XXXX  in XXXX of last year. At that time, my payment count began. In XXXX, I called to see if my payment count had been completed, it had not, they stated this could take up to 6 months. I called back in XXXX, and they " expedited '' my count, however, told me that counts were now taking up to 9 months. It has been a full calendar year, and my counts are still in process. I have now called back 6 times and been given no indication of when or if this process will be completed. The whole reason I transferred my loans was to hopefully qualify for XXXX and it looks like myfedloans has no intention of allowing me to do this while making money off the interest accruing on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: DE

Complaint narrative:
On XX/XX/2017, I was approved to receive {$17000.00} paid off from my student loans after applying for the XXXX XXXX Loan Forgiveness Program. I have attached the paperwork that Navient ( who was my loan company at the time Account Number : XXXX ) sent me that shows them approving my Loan Forgiveness. Last week, I found out that my loan forgiveness, {$17000.00}, was placed back on my account by my current Loan company XXXX. I have yet to receive any documentation of a clear explanation of why this has occurred, except from the person that I spoke to on the telephone at XXXX who stated that Navient made a mistake on my account and that I should have never received this amount in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I did an online loan back in XXXX with speedy cash for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called XXXX XXXX XXXX XXXX located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit Control sent me a notice of an alleged debt to XXXX  XXXX. I am unaware of any debt owed to XXXX  XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX  recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX sold my debt to LVNV LLC which I do not owe anything. XXXX XXXX  sold my debt and my sensitive information such as my social security number to XXXX XXXX XXXX , XXXX . 
Without my explicit either written/oral permission I never gave my Social Security Number to LVNV FUNDING LLC which it used my sensitive information and report me to XXXX. 
I'm responsible for the amount XXXX to XXXX XXXX. 
XXXX XXXX  invaded my credit report 10 times starting from XX/XX/2018 to XX/XX/2018. I assume once is good enough but not 10 times. 
They placed my account as derogatory account. They sold out my debt to XXXX XXXX XXXX XXXX which they used LVNV LLC to invade my credit report and report me as Derogatory account. 
I'm responsible for such amount but I don't know how much interests they added that's another thing, however, what makes me vulnerable is the fact my personal information was sold to third parties and they can invade my credit report as much as they like. 
There is no records of phone calls either permission gave to LVNV FUNDING LLC. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX IL XXXX PHONE NUMBER XXXX XXXX XXXX XXXX I can prove providing to the Federal Agency this information which is accurate. I can provide my credit report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
Community Bank, N.A. in XXXX XXXX mistakenly transferred {$2800.00} from the XXXX XXXX XXXX account to XXXX XXXX of Virginia through the Automated Clearing House despite the fact that we do not have a debit card and do not make electronic payments from this account. Following a series of complaints, the bank refunded only {$1400.00} and claimed that we were not entitled to a complete recovery because we did not notify the bank of our loss within 48 hours. They then charged us {$16.00} for new checks to a new account because the old account was not secure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was making a purchase from Cabelas on-line. A pop-up suggested I apply for the Cabelas branded card, which I did. 

Last week, when checking my credit report for another purpose, I was reminded of the application. I then discovered it was through Capital One. I called and was told I had been mailed a letter and they would not talk to me until I had it in my hand. I told them I had not received the letter and they said it would be remailed. My wife received the letter late last week while I was on business and she texted it to me. 

I called again and they refused to speak to me. After I made it clear that I am a bank officer and know the process, they finally told me that a decision had been made on XX/XX/XXXX to deny credit based on an incomplete application. I was never notified of an incomplete or unverifiable application and after I told them they were violating the law, including the FCRA, they asked me to call and speak to a supervisor named XXXX. I called the following day and they refused to let me talk to him. I received a voice mail from him later that day when it was too late to call back. 

Called back this XXXX - XXXX ( a month after application ) and they are refusing to talk to me. They can't tell me what the issue is and I feel like I'm being discriminated against. They've made the credit inquiry so it's also reflecting poorly on my credit report. 

I think there is a chance they were supposed to call me because of a credit alert on my account and they simply did not want to take the time to do so. This would, of course, be discriminating against me for protecting my credit data and would be against the law. 

This is fraud and discrimination pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
On XX/XX/2019 Diversified Consultant reported a negative comment on my credit report of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAC Financial Corp
State: OK

Complaint narrative:
CAC Finanical contact my wife regarding a medical debt-that is not valid-ed at all. A few weeks ago, They called her on her cell phone and stated that they need to speak with me regarding this debt. She stated that she was my wife and asked what she could help them with. The collector proceeded to tell her about the debt and when my wife stated that the was not correct that our insurance should have paid it, the collector told her that was not her problem and she need to speak with her insurance but pay the bill. My wife pointed out that the collector did not informer of her rights and that the call could be monitored, nor did the collector verify any information to see if she had the right to collect the debt. The rep stated that the call wasn't over yet and she still had time, and my wife stated that it was and disconnected the call. After that they call my wife 's cell phone 2 to 3 times a day, every day!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
1 ) On XX/XX/XXXX I was allowed early release from my lease by XXXX at XXXX apartment complex. 
2 ) On XX/XX/XXXX my application for apartment rental at XXXX XXXX XXXX XXXX was declined citing derogatory collections filed on my credit report. I ordered a copy of my credit report and found that Quality Recovery Service ( working with the aforementioned XXXX at XXXX XXXX  ), had recorded debt owed in the amount of {$3300.00}, in error on my credit report. Quality Recovery Service later reduced this amount to {$1400.00} and later to {$330.00}, in an attempt to correct their error. 
3 ) On XX/XX/XXXX I received a copy of a letter from XXXX at XXXX XXXX  addressed to Quality Recovery Service informing them that I " was allowed to move out without termination penalty ''. 
4 ) On XX/XX/XXXX I wrote a letter to Quality Recovery Service asking them to remove the collections from my credit report, which was placed in error, and to send me an invoice from the correct amount owed ( for water bill not yet received at the time of moveout, and prorated rent. ) I indicated in that same letter that I'm will to pay any amount owed, but Quality Recovery Service has refused to removed the {$330.00} from my credit report. 

The problem is that I'm willing to pay this amount but not until they correct their error by removing it from my credit report and billing me! Even after I make the payment, the record on my credit report would only show paid in full, when they should not have placed any amount on my credit report in the first place. I am pleading with CFPB for assistance in getting Quality Recovery Service to first removed the error from my credit report then invoice me for the correct amount and If I refuse to pay, that is only when they should report a delinquency to credit reporting agencies. They can't just reduce the amount of their error, they have to reverse the error and invoice me the correct amount to pay!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit report shows a charge off. I tried contacting Bank of America, but they did not have any information about the account. When I purchased a home in XX/XX/2014, the account nor charge off was present on my credit report. The name on the account is different than my name. The charge off is affecting my credit rating and ability to obtain decent rates on loans. I had a similar problem with a XXXX XXXX card and was able to clear it from my credit report. I hope this misinformation can be cleared from my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX that was financed through Santander Consumer USA , Inc for a 72 month term. My original payoff date was supposed to be XX/XX/XXXX but during the length of the loan I have had to request 3 payment extensions due to financial issues and I was told each time that I made the extension request that each extension adds 2 months to the end of my loan, which means 6 months should have been added to the end of my loan. Since my original maturity date was XX/XX/XXXX adding six months to that should have meant that my loan should have been done XX/XX/XXXX. But my complaint is about XX/XX/XXXX, on this date I requested my third extension and on the recorded phone call the representative told me that my new maturity date would be XX/XX/XXXX if I wasn't late on any payments and since XX/XX/XXXX I have not been late on a payment. However, when I made my payment in XX/XX/XXXX my maturity date has been extended to XX/XX/XXXX with a payoff amount of {$5600.00}. If I continue to make my contract payments of {$430.00} to payoff this {$5600.00} I will be paying for this car until XXXX because Santander extends the maturity date until the loan is paid which mean I'll be paying for this car 8 years and this car is not worth it. I have reached out to this company through other complaint correspondence but all I receive is a generic response about my interest rate and when I signed the contract agreement but no one is investigating the call in question and offering a solution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The Mr.Cooper mortgage company ( previously Nationstar Mortgage ) contact number listed on their website is an automated answering service that is never answered by a live person. After numerous attempts to call at different times of the business day the automated line transfers the line to an office that is always closed. The only way I found that you can reach a live person is to call the phone number listed for new home loans or refinancing your current loan and once I tell them I need answers about my existing loan I am again transferred to the dead end automated line. If you are trying to get anything resolved with your existing mortgage besides refinancing or applying for a new loan there is no contact phone number that will get you to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
Experian has posted a collection to my credit report from XXXX XXXX XXXX XXXX XXXX, a collector for XXXX XXXX in XXXX  XXXX, XXXX. They say I owe {$15000.00} from a lease. I had a lease with the company that ended in XX/XX/2014 when I transferred to XXXX XXXX. I asked the collector to send proof of the debt and they couldnt provide the evidence. I then contested the collection with Experian, twice, and each time they investigated it and said it was a legitimate debt. How can they do so if the collection company cant provide proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I contacted the financial institution and requested to speak to a supervisor. I was promised on multiple occasions I would receive a call back because a supervisor was not available. I never received any calls nor written communication from the financial institution. I wanted to discuss my loans and qualifications for a future loan. Recently I applied for a loan and was told I needed a co-signer. I'm uncertain as to why I'm unable to qualify on my own. I'm still unable to get someone on the phone to assist me with my inquiry. I want to know why I was denied a loan on my own. I have just one more semester until I graduate and I begin working full-time. If they are unable to assist then I will consolidate my loans and take my business elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is the second time Jefferson Capital has reported that I owe a debt to XXXX XXXX. I disputed this last year and it was deleted for lack of verification and now it is back on my credit reports with a new date of opening of XX/XX/2018. I have contacted this company twice by phone at XXXX and once by certified letter sent to Jefferson Capital System, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. It was finally deleted off all 3 credit reports and now it's showing back up as a new debt again. I have never had an account or owed anything to a company called XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I did a remodification back in XX/XX/2017 in the modification they were going to forgive me {$67000.00} I am trying to sell my house so I called for a payoff amount and they said {$250000.00}. This year in taxes we recieved a XXXX form and a XXXX form from Ocwen Loan Servicing, LLC we ended up oweing almost {$13000.00} in taxes so they kept my state and some of my federal taxes and I went on a payment plan. Ocwen is saying because we were late for a payment we owe the {$250000.00} now they are saying they did not send us both forms when i have the proof in front of me. we can only get an offer of {$180000.00} on our house they have done nothing but play games with us all my papers say regular principle balance {$190000.00} we don't know what to do at this point were we paid taxes on that money of {$67000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Judgment for XXXX per court order was satisfied in XXXX of 2018. Ive been harassed ever since then by the collection company and the attorney. I have not received my satisfaction of judgment and this is still on my credit report preventing me from purchasing my new home. Ive had to block the collection agencys number from calling my cell. He was also calling my work phone harassing me.

Company response to consumer: Closed with explanation