vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar continues to refuse postponing the foreclosure sale date to allow the sale to go through even though they are being paid off in full and it is the first foreclosure sale date the homeowner has had. We are simply asking for one postponement. Nationstar is stating that if we were doing a short sale they would postpone to allow the short sale to go through but they will not postpone if they are going to get paid off? This just does n't make any sense to us and we are simply told this is the guideline without any other explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 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: Tate and Kirlin Assoc
State: MS

Complaint narrative:
I purchased a tablet from XXXX which subsequently stopped working.I returned the tablet to XXXX and, unfortunately, I ordered a replacement.The replacement also stopped working.I returned the replacement, all at my expense, to say the least.I called the Customer Service department and informed them over a recorded conversation to not send me any more products from XXXX.Believe it or not, I received another tablet and returned it also at my expense. 
Later I receive a letter from a collection agency, namely Tate & Kirklin Associates ( XXXX, PA ) informing me that I owe {$170.00}, Original Creditor XXXX, Creditor XXXX, Account Number XXXX.I disputed the bill with the credit reporting agencies and after their investigation, I received the attached form from XXXX showing a XXXX balance.I thought after receiving this form from XXXX, that my nightmare was over.Not at all!!! And, yes, it is still listed as a disputed collection on my credit report.What good is the XXXX balance when it 's not reflected on my credit report as being in good standing? I know all of these predators are out to make money, but this is ridiculous.I would really appreciate your help in resolving this matter.I realize that the amount alledgedly " owed '' is n't a lot, but it 's a lot when the debt is n't mine. 


Thanks In Advance, 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 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attempted to pay off one of my larger loans but the payment was dispersed among all of my loans instead of the specific loan I was attempting to pay off. after multiple calls I was able to speak with a manager to fix the issue. When Navient attempted to fix the issue I was charged interest on my original unpaid full amount while they corrected the issue, even though if they applied the payment correctly, there should have been no interest as the load was paid off. The interest amount during the correction time ( roughly 1 week ) was not a lot but I still found it unfair. Near the time of submitting the payment, Navinet compounded the interest ( or add it to ) the overall amount that I borrowed, essentially charging me interest on top of interest. A few years later while on Income Based Repayment ( IBR ), I was not notified my end date was approaching and it was not until the cost of my loans skyrocketed before I realized I was no longer on Income Based Repayment. I quickly reapplied but it took about 2 months for them to update my account to IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have tried multiple times to lower my payment from my loans, when I first graduated college I was paying near to almost XXXX per month, then they slowly lowered the payment by extending the loan terms but also keeping me at a 9-10 % interest loan. at one point they had me on a program where they lowered my loan payment by cutting the interest in half to help, but after a year I had to re apply after making faithful payments for that whole year, and they denied me for that program. I recently called in to Navient, ant they stated that I do not qualify for anything without even questioning my income or current situation. I am just very frustrated with Navient/XXXX, for how they have treated myself and young adults and should be more flexible because I have had to put my life on hold of buying a house, and causing my credit to crumble at one point because of them not being flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove the different variations of my name, incorrect addresses, incorrect telephone numbers, incorrect social security number, and non factual unauthorized hard inquiries from the following : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.I received a response 4 days after my dispute it can be assumed that there was no investigation. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information and for non factual unauthorized hard inquiries that does n't belong to me. I did n't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I visited XXXX in XXXX on XXXX/XXXX/XXXX. I worked with the billing agency XXXX XXXX to pay off my medical bill which was paid in full XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC purchased the account and sent Affiliate Asset Solutions , LLC to obtain the " debt ''. I called XXXX and Affliate Asset Solutions to provide proof the account was and had been paid in full for almost 2yrs. 
On XXXX/XXXX/XXXX Pendrick Capital Partners II, LLC sent XXXX to obtain the " debt ''. I called XXXX and XXXX and AGAIN provided proof the account was and had been paid in full for 2.5yrs. 
I am concerned at this point that PENDRICK CAPITAL PARTNERS II, LLC will continue selling this account FRAUDULENTLY and passing my sensitive information from credit collector to credit collector. My name, date of birth, address, and other information could be compromised at this point with continuous disbursement to various collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My father and I have been receiving multiple phone calls from Navient per day, even after speaking with a representative. On XXXX alone I received 3 calls. I told the first rep that I would n't be able to make a payment for two weeks and was told it would be noted in my account. Why then was I called again two more times the same day. My father ( cosigner ) just informed me that he also is receiving multiple calls per day and being threatened with credit reporting. Last week a rep stated that by making a payment, credit reporting would be rolled back 30 days. The payment was made, so why the threats? This has gone on for a couple months now, back and forth, one rep says one thing and another something totally different. Navient refused to allow a repayment plan based on my reduction in income and now the result is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was having hardship in paying my loan off and was offered a forbearance option twice not really understanding that it would increase my loan even more. I do n't remember ever being given the option of and income driven based option. I would very much like to see if this would work better for me. I have a direct subsidized/unsubsidized XXXX loan. I graduated with a XXXX degree. I saw on the federal website that the interest rates for undergraduates should be about 3.7 % and unsubsidized graduates should be about 5.31 %. I am not understanding why my interest rate is about 6.9 % for unsubsidized direct XXXX loan. Is this due to the forbearances? Just need clearer understanding of what is going on. I am not a XXXX student and have no desire to get a XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CASHCALL, INC.
State: AL

Complaint narrative:
This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inquires that was not made by me however i have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, on your respond you indicated that ( The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. ). I have contacted to the creditors and they have send to you ( Experian ) and to me a letter that they removing the hard inquiry, but somehow it is still, and shows on my credit report. 
Also, I am requesting that you open on dispute on hard inquiries for other creditors that they pull my credit without my authorization. Again, creditors who have access my profile and make a hard inquiry I did n't authorized them to do it, that is why I 'm requesting you to remove and or delete from my file. Now I am requesting from you Experian to send me a proof that I authorized this hard Inquiries listed on my letter. 
Moreover, see attached letters from banks, that they send me and send you Experian, to remove inquiries from my credit file, but the inquiry is still showing on my credit file, from XXXX, XXXX and XXXX. 
Now Dear CFPB, this agency ( Experian ) telling that they providing accuracy but looks like they not, we have actual letters from creditors and they still playing with me. I really mean it if this time they not going to honor this my request and remove this inquires I will move forward and make a legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time

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