vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-23 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: NV

Complaint narrative:
I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: TX

Complaint narrative:
I have been trying to pay off federal loans since XX/XX/XXXX, when I graduated. It was impossible for me to become employed during that time, and I had to delay payments. Since then, my total amount has skyrocketed. I have been paying somewhat successfully since XX/XX/XXXX, however, I always have problem recertifying my income based repayment program, and have to delay payments because the minimum payment goes up. Every year, they fail to adequately assist me in recertifying, and this adds thousands to my balance. Last year I was first given false information, then given incorrect information, which caused me to pay more than what I should under the program. This year was no different. They sent me a notice inXX/XX/XXXX with a due date of XX/XX/XXXX. No email. No call. Zero notice since XX/XX/XXXX. I recertify every year, and every year they deceive me into missing the due date. There is no option to auto-recertify. This causes my minimum payment to skyrocket to five times the usual amount. It is unfathomable that they are allowed to do this. I know what will happen, because it happens every year. They will either defer or forebear, then add to the total balance, causing my total balance to continue increasing every year. I have to spend hours on the phone every year fixing the problem. My total balance is over XXXX because of this systematic deceptive practice. I graduated owing half of that. I will never pay it off, and they will continue adding to it every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I disputed inquiry 's on my report 3 times with XXXX and Equifax. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so XXXX and Equifax say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I do n't know why it keep saying they ca n't connect to my bank when it 's showing my bank balance on the app. Not sure what the problem is but last week I had no trouble connecting to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: FL

Complaint narrative:
This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.

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 2017-07-23 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: FL

Complaint narrative:
This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I disputed inquiry 's on my report 3 times with Transunion and XXXX. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so Transunion and XXXX say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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
Consumer complaint received 2017-07-23 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: ME

Complaint narrative:
Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment?
View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ;  but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING.
OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.

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 2017-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I looked at my report a few days ago and found that XXXX XXXX formally XXXX XXXX is back on my report. XXXX was previously disputed and deleted off the report so I should not be back on the report. I called a gentleman on XX/XX/XXXX who stated they can not remove it. I need this removed as it is illegally on my credit report.

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 2017-07-23 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: TX

Complaint narrative:
I have tried for years to help EXPERIAN to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License for both the former and current address. To date, EXPERIAN refuses to comply! Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX 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 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX-2017 Not my account Fraud account 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 non-monetary relief
Consumer complaint received 2017-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.

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 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX-2017 Not my account Fraud account 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 2017-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX X/2016 Not my account Fraud account 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 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX X/2016 Not my account Fraud account 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 2017-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX-2013 Not my account Fraud account 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 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX-2013 Not my account Fraud account 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 2017-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX-2013 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX Not my account Fraud account 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 2017-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I never knew that I had a credit card with Wells Fargo card services until they sent it to collections. I believe it was under false pretenses that I had a credit card. The card has now destroyed my credit because it has been sent to collections. I tried to make a payment but they have gone to collections. I was under the impression that I was buying things under a overdraft account tied to my checking, not a credit card. Card ending in XXXX. This account was set up fraudulently and so I feel that I am not responsible for this debt. Also this needs to go away from my credit report.

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 2017-07-23 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: PA

Complaint narrative:
XXXX XXXX XXXX Not my account Fraud account 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