vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: GREAT LAKES
State: ME

Complaint narrative:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: NY

Complaint narrative:
I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: NY

Complaint narrative:
I paid  XXXX   (   XXXX   XXXX   XXXX   XXXX   ) a sum of   money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One month later I received a letter from a second company which claimed th at  XXXX  's (   XXXX   ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.

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 2017-06-07 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: ME

Complaint narrative:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

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 2017-06-07 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: ME

Complaint narrative:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: ME

Complaint narrative:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

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 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have attempted numerous occasion in contacting Equifax concerning illegal use of my social to obtain a loan on  X/XX/2016.    XXXX   XXXX  l inquired  XXXX  on that date. I was actual online looking for a car loan when a pop up appear stated you had been pre qualified when a company I never heard of with my name pre polulated in the fields with my address. I began backing out of it and computer froze. I was basically hacked with virus on computer. Had to get fixed which took couple of weeks. When I was able to check my credit I shown multiple inquiries contacted a rep whom informed me to contact the company in which I asked them how they got my information some of the companies did not have any information and several banks said from online submisssion in which I did not authorize or gave permission. I had to get police report which I have fax multiple times showing a victim up fraud. These multiple inquiries is effecting my opportunity for a job. I have done my part and requesting and providing the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.

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 2017-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program.
The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a dispute over a laptop and Capital One did nothing to get it resolved once the company came back with an answer, which was all lies. When I went to get my rebuttal back to them, they wanted outrageous proof. They wanted another retailer to state what their policy was. All of the people that I contacted refused to assist me and told me that it is between me and the merchant I am arguing with. Capital One refused to process it and they did nothing for me, offered no alternatives. <P/>The merchant was XXXX XXXX XXXX and the amount was a total of XXXX. The people I spoke with from Capital One could barely speak English and were not helpful. One would tell you one thing, then the next one would be like no that 's wrong do this. The requirements are impossible to meet to win the chargeback and Capital One knows this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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 2017-06-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a charged off account with   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX   has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from   XXXX   XXXX   XXXX   attempting to collect on the debt as well as a letter from   XXXX   XXXX   XXXX   regarding my   XXXX   XXXX   XXXX   account dated  XXXX   XXXX .   When I contact   XXXX   XXXX   XXXX   they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM

Complaint narrative:
A version of this Complaint was filed on  XX/XX/XXXX  (  XXXX  ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed  - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.   <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing  Bayview or  XXXX  ( th e previous loan servicer ) and is admittedly not  Bayview  's counsel.  <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in  XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit  1 w herein matters therein directly contradict other claims the attorney has made.  <P/> Complaint and documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WV

Complaint narrative:
XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use 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 2017-06-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.

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 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Took out both private and federal loans. When tried to contact all loan companies ( XXXX XXXX, in particular ) was told I 'd have to pay hundreds of dollars to even start to defer my loan, which I can not financially afford. So rather than working with me on any amount I pay they will not LET me pay anything until I pay a few hundred dollar fee. I ca n't catch up, and they all refuse to work with me. The loan owners keeps changing and have never been able to produce my original promissory notices, which I believe is illegal ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
my mortage is serviced by select portfolio servicing aka investor   XXXX   XXXX   XXXX   XXXX   I have not received acall in 4 months fore a loss mitigation option first house was foreclosed then bank resinded the sale of house I received aphone call thatit was resinded and a letter from bank but the house was never put back to my name like sps promised 5 months later house goes up for foreclosure on  XXXX  now imhere crying fowl feel like sps committed a violation and wants toforeclose on my home withnot giving me the opportunity to keep my home pleaseinvestigate and help with my issue losing home with nohelp offerd thanks  XXXX   XXXX   is my nam e thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CORELOGIC INC
State: CA

Complaint narrative:
Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.

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