vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ROC Asset Solutions, LLC
State: GA

Complaint narrative:
The company has only called me once. They repeatedly contact family members to the point of harassment. They are asking family members to provide information to them after already being told to stop calling them.They have threaten to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
On XX/XX/XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Funding has not responded to my several disputes in a timely manner and have ignored my request for validation for those accounts 1 ) {$630.00} and 2 ) {$580.00} that are more than two years old that they are reporting to the credit bureaus. Midland has yet to provide evidence that the accounts are mines. Per their policy per their website the statement reads " Per our policy we stop credit reporting on accounts that are more than two years past the date of delinquency. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX early in the morning, I notified Bank of America that my car had been broken into and my wallet have been stolen. The theft happened at dawn at the gym I attend and as soon as I was done with the Police and returned home I reported to BOA that i have been a victim of identity theft. I requested them to cancel my ATM card and block access to my checking account. The very next day, the thieves were given access to my full account balance and were able to withdraw and overdraft my bank account. BOA failed with their security measures. The thieves use my FL Drivers License and possibly my ATM card. I know this because I talked to the branch manager of the location where the thief made her appearance. Over the course of the past months, I have had numerous conversations over the phone requesting information on my case. I was told than an analyst investigating the case will call me and that calll has never happened. After receiving no response, on XXXX XXXX I submitted via fax a formal letter requesting BOA to explain how they failed to secure my account, implement extra security measures in my new account and make the funds they have frozen available to us, the account holders. I attached to this request the Police Report from XXXX XXXX, proof of my identity and a copy of the Notice to Furnishers of Information provided by the FTC when I file my identity theft report. BOA only responded until XXXX XXXX by email. The notified me that the claim will not be honored and that the temporary credit issued on XXXX/XXXX/XXXX of {$1800.00} will be reversed on XXXX/XXXX/XXXX. I called to ask about all the documentation I submitted on XXXX the XXXX but the documents were nowhere to be found on the case. I immediately resubmitted the documents via fax and certified-signature required mail. I requested to respond within 5 business days. XXXX XXXX and again today, XXXX XXXX I called to check on the status of the claim and the received documents but once again BOA did not have them on record. I had to send them again today ... now for the 6th time. I was told again, that the analyst will call me. As of today is almost 6 months after my identity and money has been stolen and BOA has still to provide an explanation on how they failed to secure my account, failed to follow up on the investigation, failed to follow up on the documents I 've provided and failed to give me a resolution so I can put this behind and move on. BOA is consuming a lot of my time. I am hours away from them taking out funds from my bank account again and zero answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.

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 2017-08-23 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: CA

Complaint narrative:
Unable to have XXXX, XXXX, and TransUnion ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX Bank XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. 
Dispute : XXXX XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. Dispute : Data entry is not current/correct.

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 2017-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I have been on Income-Based Repayment for several years, as I am a XXXX employee, and plan to use the PSLF program. I recently got married, which ( understandably ) increased my payment. I submitted my initial Employment Verification Form in early XXXX, and my loans were transferred from XXXX XXXX XXXX XXXX to FedLoan Servicing on XXXX/XXXX/XXXX. I was paying {$610.00} a month to FedLoan Servicing. When my IBR was due for renewal, I got a letter dated XXXX/XXXX/XXXX saying that if I did not renew my IBR, my payment " will increase to {$550.00}. '' Since this number was smaller than what I was paying on IBR, I cancelled my IBR and switched to Standard Repayment, expecting to pay $ XXXX. After my request was processed, my interest was capitalized ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and my XXXX statement was then reduced to {$590.00}. I figured this was slightly higher than the letter stated since interest was capitalized. I continued to be billed ( and pay ) this amount in XXXX. However my XXXX statement says I owe {$690.00}. I do not understand why my payment now went up, or why it was {$590.00} for two months. I believe that I should be paying the {$550.00} as stated on the letter I received XXXX/XXXX/XXXX. I called FedLoan Servicing twice to inquire as to the different payment amounts. After being put on hold 7 times by the first person I spoke with, and still not having any answers, I tried again the next day. The second representative told me that the letter dated XXXX/XXXX/XXXX must have been in error. He said that I would have a lower payment if I re-entered the IBR program. However, I now have to pay an increased amount for the next several months as they process my application. Since I am in the PSLF program, this is money out of my pocket that I would not have otherwise needed to pay, but for their misinformation. I would like this resolved because increased payments, which I did not expect, is a hardship that is caused purely by the incorrect information provided to me by FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: NC

Complaint narrative:
I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it removed.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: MO

Complaint narrative:
Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted. 

I told him he must per FDCPA, he grunted again and hung up. 

I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options. 

I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: FL

Complaint narrative:
I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

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