vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: GA

Complaint narrative:
This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I am a senior citizen from XXXX. I got a student loan at the XXXX University XXXX in XXXX XXXXXXXX My only income is Social Security. I had been asking for forgiveness for the loan. For the last years, I had XXXX XXXX a wife with XXXX and no jobs available in XXXX. The U.S Department of Education prequalified me for forgiveness. And told me some papers were in the mail to be sent to them. But Navient the loan server asked me to start paying $ XXXX month. Then they placed me on the credit bureau, but I challenged them and it was deleted. 
The loan was for {$38000.00} approx. Navient says now that is {$58000.00} principal. And they had added about {$70000.00} in interest only. With my Social Security there is no way I could pay this amount until my death. My wife and I are married under a legal prenuptial agreement. We have separate accounts. I do not own any assets such as real-estate. 
Recently I lost a home which was given to me by my parent 's will. The bank made a foreclosure. Our home belongs to my wife, she got it before our marriage. It is my understanding that the feds. could not garnish Social Security deposits. 
Please help to find and honorable forgiveness, I got a XXXX XXXX and a XXXX was placed in my XXXX. I worked years ago with the XXXX but did not accrue retirement benefits. 
Please have mercy on my situation. XXXX Bless You? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}

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 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I have tried disputing this tax lien with Equifax that has been withdrawn with the letter of withdrawal of tax lien because I never owned the money, and the state of west Virginia realized their mistake. I have supplied Equifax the letter, and they still refuse to remove it from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed inquiries that were not made by me, however I have not heard back from them. I will attach a copy of my credit report from XXXX XXXX ( XXXX/ Equifax ) each hard inquiry marked in was infact one I allowed. All other visible inquiries are ones not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my ongoing reports that Wells Fargo & Company ( " WFC '' ) is violating a number of consumer protection laws. By way of background, WFC alledges I am obligated to pay a debt - but WFC has not provided verification of such debt. At the same time WFC has refused to provide identity theft protection services as promised within the account agreement. After I reported these illegal activities to the CFPB and OCC WFC retaliated by submitting known to be false information to my credit report. This including submitting to credit reports that my address was " Cease Desist XXXX, SD '' ( effectively locking me out of the financial system because banks were unable to conduct an address verification as my credit report would say I lived at a non-existent address ). In addition to submitting false address information, WFC removed all of the previously reported satisfactory payment information from my account and chose only to report the negatives - which is a gross violation of the Fair Credit Reporting Act. 

Unfortunately, that was not the end. After I reported the retaliation to WFC and the CFPB, WFC updated my credit report and removed the fact that the debt is in dispute. This appears to be an attempt by WFC to remove the fact that I have always disputed this debt in an effort to sell the debt to a third party for a premium. 

Given such, I am demanding that WFC re-insert the correct information that the debt is in dispute and include that upon my credit report. Furthermore, WFC shall provide all of my disputes and arguments to any party to which is sells the debt to. 

Notwithstanding the above, I would like to know how the arbitration policy effects disputes if WFC transfers or sells the debts to another party. Will the other party be bound by the same arbitration agreement?

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 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.

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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My wallet was stolen and {$500.00} was taken from my account. M & T bank is denying my claim because they are saying there is no way someone could access my pin # in order to take the money out. I explained that my SS card was in my wallet and my pin was last 4 of my social but that is not good enough for them. Therefore I am out {$500.00} and they are saying there is nothing they can do. They are basically accusing me if stealing my own money.

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 2017-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/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