vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under Paragon Revenue Group.

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance.

*Please note this account has been removed from my XXXX credit report , I am requesting for it to be removed from my XXXX  credit file as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: CA

Complaint narrative:
On XX/XX/18, I received an email from Navient claiming I had a total amount due of {$400.00} on XX/XX/18 even though the company previously had emailed me a statement claiming that I had a total amount due of {$210.00} on XX/XX/18. The amount is supposed to be an income-driven payment. Meanwhile, I have made additional payments that are not being credited to the amount due. I sent an online complaint to the Navient Customer Advocate on XX/XX/18 and later received a voice mail at a time of day when I was

XXXX XXXX and could not call back. Since then, I still have not received written correspondence from Navient. Also, an earlier complaint I submitted to CFPB regarding the repeated inability to sign in to Navient 's Web site still has not been resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account.

I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online.

I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account.

I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Mortgage company has not provided requested information to verify debt, only providing a phantom account number which has been a widespread predatory lending practice of mortgage company. My letter sent XX/XX/2018 requested verification of debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1629g. On XX/XX/2018 in a letter from XXXX XXXX on behalf of mortgage company, the original debt owed was crossed out the show a different amount. Many pages of the accompanying loan history is illegible ( unable to read ).

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 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In XX/XX/XXXX through XX/XX/XXXX, I was contacted my Navient student loans demanding that I pay $ 500- {$600.00} a month student loans. I explained to them that Im pursuing more advanced edication. In addition, I do not have $ 500- {$600.00} to pay on student loans a month. I asked if there were other options for paying at a lower the monthly rate, but I was told no. I asked about consolidation and was told they didnt service that type of service. I told them I couldnt pay that amount, but I would try to pay something. I was told to pay the monthly amount or no other payments would be accepted and that this would go on my credit report. I was upset and still am to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/2018 I brought my XXXX XXXX XXXX to the XXXX dealer in XXXX ca to see of I could lower my payments, they offered me a smaller car a XXXX XXXX XXXX with a car value of {$24000.00}. I traded in my car so the new loan would pay the balance of my XXXX XXXX  and the remaining balance would be added to the new car. When we were going to close the deal the seller showed me a total of {$39000.00}. Due to the price I told the seller I did not want to continue with the transaction because it was to much for a XXXX XXXX XXXX, and I would stay with my original car the XXXX. I was at the dealer for 6 hours already stressed out, when I was walking away XXXX XXXX another seller came over to me and asked what the problem was. I told him the price I was being given for the XXXX was still to much for me. He insisted he could give me a better offer so we proceeded to the office and he showed me a new price of {$37000.00} with payments of {$640.00} a month. He handled everything on the contract and had me sign it and quickly put the contract in the envelope without explaining to me what I had just signed. If I would have been told at that moment that the total would be {$46000.00} I would have never agreeded to leave with the XXXX. There were also other charges in the contract that he never ask me if I want them I had the right to make my own decision, He just added with out explained what they were. On the contract it says I have to pay {$2500.00} by XX/XX/2018 for a downpayment when at the dealer I explained to them that I did not have money for a  downpayment at the time and they said that was fine. I feel as though they were trying to hide information from me to prevent me from backing out of the purchase of the new car. I was never shown the Annual percentage rate, amount financed, finance charges or the total over all payment of the car. 
I did get to see the contract until I got home I call XXXX XXXX many times and they told me he was on vacation I spoke to XXXX Manager and explain him the situation and did not want to help me he said to wait until XXXX gets back on XX/XX/2018 I want my old car back XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note. 
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX  Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.

The program was about {$1000.00} that day, that I can finish in less than 2-3 months.

I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything. 
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks. 
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is  Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.

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 2018-08-17 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. Navient increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Cant Log In To My Account XXXX please help me with this problem i Open a Credit Card Account With XXXX XXXX XXXX XXXX In The XXXX they locked my account and i was not able to view my Statement online and see my account please me with this problem i dont know why they locked my card and they locked it because of a Dispute that was already resolved please help me with this problem ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
My bankruptcy was discharged in 2012 and I am in the process of closing on a home. It was discovered during the home buying process that XXXX XXXX XXXX never released a judgment they placed against me back in 2012 for a debt that was included in the bankruptcy and has since been discharged! I called three different times this last week and was advised three different things all of which did not include them releasing the judgment. They are falsely holding a legal matter over on me, illegally now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Last year it submitted this police report to all 3 credit bureaus .Equifax omitted to remove all fraudulent inquiries that was not authorized by me from XX/XX/XXXX.

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Recently a company made duplicate credit inquiries on my credit report that I did not authorize. 2 from the same company XXXX XX/XX/XXXX. XX/XX/XXXX Why would the same company pull my credit 2x. I didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was scammed by a cab driver who stole my debit card, cell phone, and PIN by making me swipe it to pay for the ride. They ended up keeping my debit card and I didn't notice until the next morning when I woke up. I had charges for on XX/XX/XXXX while I was asleep for the following between XXXX and XXXX XXXX  : 2 ATM withdrawals from the same ATM for {$480.00} & {$500.00} and another for {$23.00}. 

1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$1000.00} 1 Purchase and cash back at XXXX for {$130.00} 1 Purchase at XXXX for {$81.00} I called them in at XXXX XXXX when I woke up the next morning and told them everything and that my phone was stolen. Today my claim was denied and they did not have a record of me telling the claim department my phone was stolen even though it was. I asked for recordings and they said I need a subpoena. The 2 ATMs were the same as my bank so I asked if they can get the camera footage from that and they said police need a subpoena for that. They said I need to provide more evidence to change the status but I am not in the power of authority to do so.

I filed a police report and fraud packet to my local police dept who is working on it and the bank stated if it takes more than 30 days, the claim will be closed forever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX  XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family. 8. I am a XXXX  veteran that is requesting full forgiveness or discharge of all of the reported student debt.

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 2018-08-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX  with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.

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 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have XXXX Doolers in Citi bank I cant acsses 2 years without a Phone Im a XXXX living in XXXX XXXX, I went two 5 Pone Companies couldent Get USA bank Phone numbers two Work Two Call a USA Bank Requires International Long Distance Cell Phone may cost me XXXX a Year Or I live in 5 coutries a year and buy 5 new Phones or 5 new SIM Cards XXXX XXXX has email Verifiation and XXXX XXXX is the only Bank Usable two me I would like Citi bank two mail XXXX XXXX a Check fore XXXX Dollers two XXXX XXXX so I can buy Mutuail Funds and Stocks Citi bank could email me the Bank Code Citi bank Could make the Transfer Fore 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 2018-08-17 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: Source Receivables Management LLC
State: CA

Complaint narrative:
In 2015 I opened an account with XXXX for my little sister, which was all fine. 
My little sister then went in to the XXXX location and opens up additional lines, and was also allowed to lease additional phones in my name with out my permition and XXXX allowed her to sign contracts linked to my account with out contacting me or a signature from me. 

I had no inclination of the addition lines and phones until receiving a collections letter in the mail from SOURCE RECEIVABLES MANAGEMENT So I called the professional debt collectors I was connected to a representative by the name of XXXX our conversation was not going in a professional manner, so I asked XXXX if I could speak to a supervisor XXXX then told me just because I wanted to speak to a supervisor didnt mean I get too, I then asked her if that was their policy, and how they normally treated customers? XXXX informed me that that it would be my credit that would be damaged not hers, and told me she was terminating the call and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation