vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc.
State: IL

Complaint narrative:
I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Recoveries, Inc.
State: OH

Complaint narrative:
I lost my job and signed up at the XXXX XXXX XXXX. they had me in class the next day. I XXXX made about $ XXXX year income. I was receiving grants. I got to XXXX. Then I had a XXXX. I had a XXXX 9 months earlier. I had a XXXX. I did not have stamina to continue financially. They would n't give me time off until I was better withdrew me and told me that I had no more grant money. I did pay about {$250.00} a month on my student loan. I called once to tell them I was gon na be late. They told me that I did n't make enough money to pay them. so they put me on defer ments. you have to understand I basicly worked XXXX jobs. I signed to consolidate a couple times with a reasonable amount I could pay {$110.00} a month. then the payments went up to a XXXX a month. I quit. that was 20 years ago Now 14 years at my job and 20 years later they are garnishing my wages for 15 % of my disposable income. Now i make less than XXXX and and they say i owe them a {$120000.00}. I heard the school got sued. they closed and the building does n't even exist anymore. but i am stuck with a loan i can not po possible pay back and no great job to support myself. I in my core do not i should be victimized like this. On my credit report is says closed with a XXXX balance. I am XXXX years old. worked hard for my little bit of money all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The bank in question reporting my payments as being late from XX/XX/2016-XX/XX/2016. I was set up on automatic payments for that time frame in question and every payment came out of my checking account at the same time every month and was never late but yet they have reported me late every month until i finally had to pay them and close my account with them for the damaging effect they were having on my ability to get a home loan with the best possible rates.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I pulled my credit reports to see what was on my credit, as my family and I are looking to rent a house and I found that each credit bureau ( Experian, XXXX and XXXX ) pulled Bankruptcy information from a XXXX party and the court verified with me that they do not report to credit bureaus and therefore must be deleted. If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is hindering me from renting a house along with getting a car at a good interest rate, credit cards and could potentially prevent me from getting a job or a promotion.

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 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Complaint with Experian is regarding the reporting of negative information on my XXXX account. The negative reporting is damaging my credit and Experian is allowing them to continue to damage my credit, due to Unfair reporting on the part of Experian. I feel that if credit reporting agency Experian is not reporting the XXXX account correctly. I have numerous disputes to Experian regarding XXXX 's incorrect reporting of the XXXX account. In an earlier dispute Experian agreed to investigate the issue and update my credit report but instead I received a response from a rep. that whatever XXXX reports will be on my credit report, I think this type of action is bias and discriminating when you do not consider all parties involved and to fairly weigh the evidence, as a result it has severly damaged my credit. In past disputed to Experian I sent in documentation of a forbearance period where no payments were expected or postponed, but I still made payments.letter from XXXX stating that the dates were I was suppose to make payments on the account. I am enclosing documentation of payments made to XXXX. According to XXXX my loan was not in repayment until XX/XX/2015, so why am I 60 days late in XX/XX/2015 and 90 days late in XX/XX/2015, this reasoning is not logical, Thank You.

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 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
We took out a HELOC with a big box lender 10 years ago. Our property went under water and we lost household income so we filed Chapter XXXX which was discharged 8 years ago. We were told we were no longer responsible for the debt ... but that the lien would remain on the property. We found out in XXXX that the lien from XXXX did not record until XXXX we recently found out there was an issue in the assignment process as well ... .that the original big bank did not properly record the assignment transfer. In fact we got a call from the bank saying they were " correcting '' the error by recording another assignment to a company that was supposed to have been assigned originally. So not only did the deed record 5 years after signing but 3 years after BK discharge .... and with significant irregularities in recording. However, this is only part of our complaint. We have been attempting to settle with Trinity since XXXX ... .in the initial call their representative told us they will not negotiate ... .that they " would purchase my first mortgage then foreclose '' ... or they would simply " wait until the values go up then foreclose. '' In XXXX of this year Trinity filed an " notice of default '' against us. earlier this month we had offered a settlement amount which was declined via email and countered to {$70000.00} on XX/XX/XXXX. My wife and I have been scrambling around borrowing, liquidating XXXX and selling personal effects to come up with the XXXX ... ... I contacted XXXX via phone and had a conversation with XXXX yesterday. I explained we had done everything we could to come up with the money and that we wanted to know what we could expect in return for the settlement. XXXX said he would send me an email within 10 minutes of our call but what we got was an increase in the amount to {$77000.00} ... ... {$7500.00} almost to the dollar. So in summary, after accepting their email offer they used the verbiage in the email to say there was no actual offer ... just the " possibility '' of approval followed by another email with the higher amount. What is to stop them from doing the same thing again? We dont have XXXX but I feel like if we said we did they would simply raise the amount again. The ethics of this company and its representatives are suspect at best ... .and the individuals earning a living by foreclosing on families have dirt all over their hands ... at some point the CFPB and other government agencies need to get involved to stop the gorilla tactics taken. Sad thing is they paid pennies on the dollar to obtain this note. Ironically the amount of XXXX which we agreed to represents full repayment of the original amount borrowed plus {$10000.00} ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HOVG, LLC
State: TX

Complaint narrative:
on my credit report it shows a collections for medical services i did not recieve

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank sent a proposed arbitration provision to our Preferred Credit Line Agreement with an opt-out requirement, including that the opting out " must include the information set forth in the Arbitration Agreement, '' requiring borrowers either to make a copy or transcribe its proposed account agreement merely to preserve the existing account agreement. 

The proposed loan modification agreement was not sent by proper legal notice in New York State but was sent by First Class mail, postage prepaid, which makes the notice and opt-out provision legally dubious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank put a check on hold because I " have a short account history and few deposits '' which is absolute XXXX because I was actually a Chase banking customer for many years when I lived in XXXX -- and, frankly, people move and I have never experienced a bank holding checks for ANY reason, anyway ... 

NO ONE EVEN NOTIFIED ME THAT THE CHECK WAS PUT ON HOLD so this could have resulted in overdraft fees that I 'll take a wild guess Chase would have refused to refund. Chase took a course of action that I 'm calling out as an attempt to fraudulently gain more fees from me. 

When I called the bank, the representative would not clearly explain WHO put the freaking hold on the check and her supervisor 's best excuse was that the system 's algorithm told them to do it ( in far less intelligent wording ). Well, I have a XXXX and used to work in XXXX, so that 's a XXXX answer if I 've ever heard one. There are REASONS an algorithm is programmed to take certain actions. 

I have never had such issues with a bank, and this is completely unacceptable. 

I should not need to go to the trouble of finding a new bank and transferring everything over just because Chase is XXXX with me. I 'M XXXX, BUT FRANKLY WHEN THERE IS NO ACTUAL REASON FOR BEING DISCRIMINATED AGAINST IN THE FINANCE INDUSTRY, THAT 'S *ALWAYS* WHAT IS ACTUALLY HAPPENING. THIS XXXX WILL TAKE HER BUSINESS WHERE SHE IS WELCOME ... ( AND ENCOURAGE HER MOTHER TO MOVE OVER {$200000.00} IN CHASE STOCK ELSEWHERE IMMEDIATELY )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I represent a company by the name of XXXX. in XXXX Ca XXXX. We just received an email from Flagstar Bank in XXXX Michigan with the following message. 
Dear XXXX, Flagstar Bank has conducted a Management Review of your status as an eligible Escrow Agent. Based upon our analysis, we have made a business decision to exclude your company from our eligible list. 

It is Flagstar 's policy not to discuss the basis for its decisions. 


Thank you Flagstar XXXX Support Specialist-Funding XXXX MI XXXX All settlement agent approval docs and questions send to XXXX Call funding support assistance at XXXX, follow the prompts We are a very reputable company and we work closely with buyers and sellers in California. For a lender such as Flagstar Bank to force us to cancel an escrow that we have already completed XXXX % of the work needed is unconscionable. For the benefit of the buyer and seller on this transaction, we will cancel this escrow so they can close with another company, but this act by Flagstar Bank will damage future business. At the very least we should know why they so we have an opportunity to correct any issues, Thank You

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX XXXX County told me that they do not verify that information. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: United Student Aid (USA) Funds
State: MA

Complaint narrative:
Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management is reporting a {$490.00} XXXX debt collection on my credit file that I have reported was a result of identity theft. I have sent police report to credit bureaus. The debt was deleted from my credit file and now it is re-inserted on my credit. I want full validity and proof of debt belonging to me. I want this matter investigated.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX, I received my first notification letter from University XXXX XXXX XXXX XXXX ( XXXX ) saying they were holding a student loan of mine in the amount of {$9300.00}, which they said was going to be delinquent. I asked my Federal Loan Servicer XXXX XXXX to consolidate the loan a few days later. XXXX XXXX completed the Loan Consolidation in XX/XX/XXXX, which was the same month XXXX reported me delinquent to the Credit Bureau 's. XXXX broke the law.

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Years ago, I had phone service with XXXX. While living in XXXX, my account was charged for bills incurred by someone in XXXX according to conversations I had with customer service. The issue was never rectified. XXXX reported that I owed {$440.00} ; which I dispute because I do not owe them. They reported it to the credit reporting agencies. I had disputed there, and they did not to change it citing that the account was in my name. It sat for years in my credit report, and I could not get it removed. My score just went down 11 points because XXXX just reported the account as a new account again as they have done in the past. This is deceptive. Please see attached. I got the alert from Experian yesterday. Had I not have this credit monitoring account with Experian, I would not even be aware. 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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company failed to verify my alleged debt with-in the 30 day time frame allocated by the FCRA, this company was then forced to delete this debt from all reporting agencies. this company did not update Experian with this information as they still reported this debt. i have disputed this with Experian recently and are awaiting the results. the law requires that if a company reinserts deleted information then they must provide me with notification within five days of doing so. They failed to comply again!! i'am beyond frustrated with this company as they keep reporting debts that do not belong to me. to make things more interesting they falsely stated that i paid the account and placed the item back into my report on " paid status '', i have not paid this company a dime because this debt does not belong to me. so because this company was forced to delete my information, they choose to do what ever they can to make my life miserable. They have repeatably broken the rights i have as a human under our federal government guidelines. something must be done about this! we must find out who makes the decisions at this company and hold them accountable!

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