vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Nationstar turn into Mr.Cooper and all payment history disappear on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
An identity theft dispute with full documentation including a valid Limited Power of Attorney, authorizing XXXX to dispute the account on XXXX XXXX 's behalf was submitted to Walmart / XXXX XXXX via fax on XX/XX/2018. Over the course of the next 2 months, Walmart 's Fraud Department was contacted on several occasions in order to determine the status of the fraud dispute. We were told the dispute takes 60 days, during which time the account would not be removed from the credit history of the victim. This is in complete violation of the Fair Credit Reporting Act. Now that we have passed the 60 day mark, I contacted Walmart 's Fraud Department once again only to be told that I could not obtain the status of the dispute as the Limited Power of Attorney was still on review and had not been 'approved ' whatever that's all  about.

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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the last 4 months I have been asking Experian and XXXX to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with Experian on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XXXX XXXX, I contacted XXXX and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, 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 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX that I owed money to XXXX XXXX XXXX ( no address known ). They started to garnishment out of my check in XX/XX/XXXX until XX/XX/XXXX. I have sent them numerous letters and proof I was XXXX in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and this debt could not be mine. they finally agreed but will nut refund almost {$1600.00} and still will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''. 
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX. 
On XX/XX/XXXX, I made my first payment of {$75.00}.

On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .

This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Last year before XX/XX/2017 I was making payments of XXXX per month to A CD STUDENT LOAN. Due to a medical hardship I have been on an income based plan for one year of XXXX $ payment meaning my principle would have accumulated around XXXX plus interest in one year. Last week around XX/XX/XXXX I got my first letter from Navient that they now had my loan with no previous warning saying my payment was due on XX/XX/XXXX for XXXX. How is that possible? That is an increase of XXXX more per month or XXXX more in the same 10 year period I was paying on before. I called them and ask them to explain that and all they did was give me the runaround. I need answers and I am scared. I was been on a forbearance before for a year and my monthly payment only went up around XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I filed a complaint with this agency on XX/XX/XXXX # XXXX Mr. Cooper submitted the exact same documents that was mailed to my address on XX/XX/XXXX. I requested a copy of the Mortgage Service Agreement. I am requesting that this agency investigate Mr. Cooper 's RESPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the last 4 months I have been asking XXXX  and Transunion to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with XXXX  on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XX/XX/2018, I contacted Transunion and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, 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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  turn into XXXX and all payment history disappear on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX  and that should and would be the only place I would have on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been working with Select Portfolio Servicing. They are my mortgage lender. I have been working with them since late XX/XX/2018 on a mortgage loan modification. 
The reason that I requested this is that they increased my mortgage payment to XXXX. This is an increase of over {$200.00} over my previous mortgage payment with them. I just can't afford to pay this amount every month on a consistent basis. 

Starting in late XX/XX/2018 I applied for the modification. I provided the documentation for this loan modification multiple times to them. For example, I have provided the signed lease agreement ( I am renting the property ) twice. Also, I have provided two months of my checking account statements to them at least four times. These statements included notes about rental income, income from work, etc. I believe that I am getting stonewalled by the company for this refinancing. Every time that I have called them there seems to be a request for something that I have already provided. Also, they have recently started replying to me by mail. This, I believe, is another delaying tactic. They are in XXXX XXXX XXXX, XXXX  and I am in XXXX, XXXX. So it takes about a week for the letters to reach me. They have told me at least twice that they have all the information they need to make a determination about refinancing. 

I am very frustrated with this situation and I am seeking your help to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have worked for a local government over ten years and have made 120 qualifying payments towards my student loans. 

My application is being unfairly denied because my loans were consolidated under duress by Sallie Mae in 2005. 

Sallie Mae has since sold my loans to Navient, and neither they, nor the U.S Department of Education will forgive these loans even though I meet all of the criteria for the program. 

The next step without resolution will be to make a federal case here on behalf of fellow plaintiffs in a similar position in a Class Action lawsuit brought against the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a mortgage reporting from Citi Mortgage on XXXX  and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and Citi Mortgage multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

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 2018-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is complaint in regard to SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX. 

Above financial entity pretend to be Holder in due course to my Mortgage/Note instrument produced XX/XX/XXXX between me ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) and XXXX XXXX XXXX. 
Above Mortgage has start to be foreclose on XX/XX/XXXX in XXXX. XXXX County Circuit Court commenced by XXXX XXXX  XXXX ( which has been proven of wrongful foreclosure practice in XXXX  state ) During that time various financial entity ( in fact dept collectors ) present themselves as consequent assignee of Mortgage/Note instrument. In XX/XX/XXXX Shellpoint present themselves as such. 
During that time I am in dispute communication letter pursuant to 15 USC 1692 et all. 
No mention of fact that Shellpoint has disrespect 90 % of my QWR request, also have diversifies my attention/respond and communication to 5 different addresses to which I had try to keep up with my consistent defend position. 
Addresses to which I had to keep up my effort. 

1 ) .... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX   XXXX. 

2 ) ... ... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX. 

3 ) ... .. SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4 ) ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regardless to QWR full cooperation/respond refusal, Shellpoint produce its statement on XX/XX/XXXX that XXXX XXXX XXXX at, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is the owner of purported loan See attachment 1st page. 

In letter XX/XX/XXXX XXXX made statement that XXXX XXXX XXXX at, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is owner of purported loan See attachment 2nd page. 
In XX/XX/XXXX Shellpoint pursue Court enforcement action with Shellpoint affidavit doc. etc all. However course of action/court order revile its true attorney representation ( false  representation in fact ) which is Not Shellpoint but XXXX XXXX entity. See attachment 3th page. 
All of the above cause total confusing and misleading homeowner of available remedy and/or rightful defense venue, lost by now by Shellpoint misrepresentation of facts, misleading information and diversification of attention with timely manner communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Central States Recovery, Inc.
State: KS

Complaint narrative:
I HAVE TRIED TO FIX THIS PROBLEM SEVERAL TIMES WITH THE DEBT COLLECTOR THE COLLECTION WAS REMOVED FROM XXXX AND XXXX THE CONSUMER SHOWS THE ACCOUNT IS CURRENTLY OPEN AND ON THE CLOSED INFO THE IS NO INFORMATION AND THEN HAS THE DATE REPORTED AS XXXX ALSO I NEVER ATTENDED XXXX COLLEGE I HAD TO DROP MY CLASSES DUE TO MY TRANSCRIPTS ON HOLD AND I NEVER ATTENDED A DAY OF COLLEGE AT THIS SCHOOL AND THEY DID NOT DROP MY CLASES IN TIME AND STILL CHARGED ME AND SENT ME TO A COLLECTION AGENCY AND REFUSE TO MAKE PAYMENTS AND I NEVER ATTENDED SCHOOL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: PA

Complaint narrative:
ACS folded and formed into a new company XXXX. I have no way to contact said company because all correspondence by phone or email require an account number that I don't have. I have tried calling several times and received no help. How am I supposed to pay a loan when according to the website I have no account with them or my Social Security does not register with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I received a notice from Caliber Home Loans that effective XX/XX/2018, they are now charging a fee for mortgage payments submitted online or via their app. The only way to avoid this fee is to mail a check or use recurring payments. 

I plan to pay off my mortgage early by making additional monthly principle payments early in the month. Caliber 's new policy now makes it more expensive and time consuming for me to make additional payments and to pay off my mortgage early.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
I initially applied for a mortgage on XX/XX/2018. I provided all of the needed paperwork ( pay stubs, checking account statements, etc. ) only to be asked for the very same paperwork every two weeks. The mortgage company then asked for additional paperwork ( including the same as previously asked for ) such as where I was getting the down payment. Then she said ( XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX ) that she forgot what type of loan I was applying for : conventional or FHA. She said the information was required due to the recent housing loan problems. I think that she and the real estate agent I was originally working with colluded to delay the closing on this house again and again ( they are best friends ). This is a vindictive and petty act of vengeance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc
State: OR

Complaint narrative:
I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for this debt.

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 2018-06-11 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: NJ

Complaint narrative:
I contacted both a experian and XXXX about personal information ( names and addresses ) linked to my report that were not me. Experian and XXXX  can not tell me where the names and addresses came from or how they ended up on my account.

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 2018-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Donald R Conrad P.C.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX I am constantly called, sometimes multiple times per day, by this debt collector. 

In XX/XX/2017 I submitted a request to the office to cease with the phone calls and only communicate with me in writing. I have only received one written notice from them. 

Furthermore, in XX/XX/2017 I submitted an offer to pay 25 % of what is due. I never received a written response from them. 

For the last several months, I have received a multitude of calls from this office. Most recently from XXXX Other numbers include are a variation of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: NC

Complaint narrative:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

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 2018-06-11 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: NC

Complaint narrative:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

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