vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have called Navient several times in the last 10 years about my student loans. I told them I was having trouble paying the monthly installments and I was told that forbearance was my only option. This has been my only option each time I have called. Around XX/XX/XXXX, I was young enough to foolishly accept forbearance on my loans not realizing what it actually meant. Two years ago in the fall of XX/XX/XXXX I called again to attempt to lower my monthly payments and I was again told forbearance was my only option. I told them I would not be going into forbearance and that I just needed a lower monthly payment in order to actually survive and create some sort of savings. I was then told again that forbearance was my only option and if I didnt want that I should have my co-signers pay. I told them that my mother is not responsible for my student debt, and they then told me my father should pay. I told them my dad died in XX/XX/XXXX, and we had sent them a death certificate, the person on the phone then argued with me about my dads death ( I had to remind him numerous times about him having passed away, and each time I was told to have him pay, or go into forbearance ). 

There have been numerous times I have asked for my mom to be released as my co-signer and each time I have been denied. There have been many occasions where my mom gets my monthly statement and I do not, and they will also call her and not me when trying to collect debt, which sometimes isnt even due for a few more weeks. This happens frequently despite both my mother and I telling them they should be calling me as it is my debt. 

The amount they have been asking per month has been substantial and inflexible which has caused me to barely get by each month financially. Evidence can be found in their phone recordings as well as loan statements when I had entered forbearance after being told it was my only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MID-ISLAND MORTGAGE CORP.
State: CT

Complaint narrative:
Earlier this year I fell behind on my mortgage payments. For the past few moths I have been trying to work with the bank on a loan modification. First after receiving the letter that my application was complete and no foreclosure proceedings would be initiated, I received a letter from a law firm stating they were starting foreclosure proceedings. I mailed the law firm a letter as well as calling them and have not received a response. I have been submitting the requested documents as they ask. The documentation the bank has been requesting is repetitive in nature and they wast things explained that I have already explained. They seem to be dragging this out on purpose. I have been trying to contact someone at the bank without success. I have left voicemail messages and emails without any callback or reply. The only person I was able to get on the phone on Friday XX/XX/XXXX stated that they are not authorized to speak to me. However they were helpful in giving me phone numbers for FHA. The only contact I have have had with the bank is when they send letters asking for more documentation. The latest documentation they requested by letter was received by me in early XXXX and dated XX/XX/2019 giving me 30 days to comply. I sent the requested documents certified mail which was received by them on XX/XX/XXXX according to the postal service. 
Then, this past Sunday XX/XX/XXXX a strange man showed up at my house around noontime, banged on the door which frightened my wife and XXXX small children. I came running and found that it was a man stating that he was there on behalf of the bank to check the property and take pictures. This seemed like harassment or intimidation on behalf of the bank to me. In this day and age of more frequent home invasions and child abductions, this really frightened my wife. 
I have attached relevant documents, but this is not all the documents I have or have provided for the bank. I have sent the required forms as well as bank statements, pay stubs, spreadsheets detailing my families expenses, HSA tax form and document from health insurance detailing our high deductible plan. I can provide further detail and documentation if you require. 

Mid Island Mortgage Corp XXXX XX/XX/XXXXXXXX XXXX, NJ XXXX I have been leaving messages with XXXX @ XXXX email Miss XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a lease thru JP Morgan Chase bank, my past 3 vehicles have been leased with them as well without a problem, I recently was sent an advertisement from XXXX   XXXX telling me that I could trade in my lease early ( lease is up XX/XX/XXXX ) I went to the dealership and after running my credit they saw that Chase had reported I was later 12 times between XX/XX/XXXX-XX/XX/XXXX so they denied me even with a co-signer. I called Chase because I have always made a payment every single month! Not one month was skipped but there were several months when someone else was making payments for me because I was in the hospital through out XX/XX/XXXX- XX/XX/XXXX. There were months that since the person only made a payment of {$1500.00} instead of {$1600.00} that extra balance was carried over to the next month, so there fore each month it was a little more and more, I tried catching up but every month there ended up a small amount over due ( even one month it said {$1.00} past due! ) this resulted Chase " technically '' saying I was 30 days late. I just think this is unfair because now that I might have to be getting another vehicle because I was in a major accident the other day and it might be totaled. I understand that I might owe small balances from previous months that I have tried to get caught up with but I don't think that should be reported as 30 days late because there was always a significant payment made on the lease. I would just like to be able to lease another vehicle with XXXX XXXX. I tried disputing directly thru the credit bureaus but the choices are so narrow and they denied my dispute. I also called Chase and they suggested I contact the FTC. I have attached 2 examples of their version of past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX where I obtain a cashier 's check in the amount of {$14000.00}. 
I deposited into Bank of America that same day at Bank of America ATM .... I discovered MondayXX/XX/XXXX that there was a 10-day hold on this cashier 's check .... looking at the receipt it stated that the reason for the hole on the cashier 's check is because of a possible return. I call XXXX XXXX and they said it was an excessive amount of days to put a cashier 's check on hold because it's guaranteed and the money was definitely in my account when I got the cashier 's check drawn .... as a matter of fact they would have given me the cashier 's check had the funds not been available in my account. XXXX XXXX told me to tell Bank of America if they need to call and verify the funds do so and they would verify ... XXXX Bank of America would not call XXXX XXXX .... as a matter of fact I spoke with a supervisor by the name of XXXX who continuously told me that there was nothing Bank of America could do about holding this cashier 's check for 10 days I also spoke with a customer service rep by the name of XXXX who said the same, nothing they could do. 

I called one last time to Bank of America yesterday XX/XX/XXXX to confirm that they still would not take the whole off this cashier 's check because I have gotten behind in my bills I had very important Financial obligations I needed to take care of I lost out on a very good deal of an automobile I needed and they would not answer the phone ..so I called back again and I left my option in the automated system to get a call back in 30 minutes ... when they call back I press 1 to accept the call and the system hung up the phone ... I never got to speak anyone on the second attempt of confirming they were going to hold this cashier 's check another 3 days. 
I said to the supervisor why don't you put a disclosure note at the ATM machine about cashier 's check if you're going to hold them for 10 days ... .a cashier 's check is guaranteed.. in other words I truly believe discrimination here ... I am a XXXX man I have had more problems in Arizona than anywhere in the world and I've been over 45 different countries during my XXXX  career and not once have I experienced as much as I have here ... I would like the most firmest legal action taken for this matter that's possible. My

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 2019-10-22 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
i have a home loan with ( LAKEVIEW LOAN SERVICING LLC ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from lakeview and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.

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 2019-10-22 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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Hi, I contacted Barclays Bank to make them aware of charge that was not mine and had been assessed late charges on, they assured me that no interest and penalties would be assessed further to my account. They continued to call me and tell me my account was overdue and when I told them the account was in dispute they would tell me that it was a call in error and once their investigation was completed they would send me their results of their investigation. I was never notified of the results of that investigation and the late fees and penalties kept increasing.

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 2019-10-22 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX XXXX 
XXXX**** XXXX/XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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:
I am a victim of identity theft

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received a call i believe from Midland credit. Not sure as person in past saying they are New York attorney very rude about a XXXX account. I offered to pay XXXX each month was advised no thry will only accept XXXX a month which i did not have and told them. Received calls saying there eould be a warrant served at my job. If it did not pay full amount and they did not advise what amount. Another call message they will serve all my adresses and garnish my wages. Then today advised XXXX advised they taking me to court. Service all adresses and my job where i am not as i am working home due to illness. Im not sure who this creditor is. Could be XXXX not sure as creditor never mentioned. I have not received and other communication. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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:
I am a victim of identity theft

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; XXXX/now Midland Funding. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. XXXX is in Bankruptcy and XXXX was their credit card holder- but their tactics are not good ; because when I talked to XXXX XXXX they would not even negotiate as I told them I had XXXX and was sick in XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CA

Complaint narrative:
i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CA

Complaint narrative:
i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit report contains incorrect birthday of XX/XX/XXXX the correct birthday should be XX/XX/XXXX. Name on credit report shows as XXXX XXXX XXXX, name should be XXXX XXXX XXXX XXXX Also, credit accounts show on credit report. Report should show at least two loan accounts with XXXX XXXX XXXX XXXX XXXX. There was previous fraud accounts on this report which got wiped clean however now the correct loan information does not show either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
According to XXXX, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On Tues, XX/XX/2019, a debt collector, XXXX, from United Collection Bureau, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!

Company response to consumer: Closed with explanation