vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 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: CA

Complaint narrative:
In XX/XX/2017 i sent a dispute by certified mail for this said debt with XXXX XXXX ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX   and XXXX but remain on Equifax. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX of last year. I am asking that the Bureau Equifax remove this debt immediately as promised and report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CA

Complaint narrative:
I consolidated my loans, submitted Public Service Loan Forgiveness with Navient and got into payment driven plan in XXXX. Since my payments were to be very high, they advised me to go on deferrement and forbearance since then and to renew every year. I would call to check the status of my forgiveness and I would hear that after 25 years from the original graduation year of XXXX my loan would be forgiven or by the Public service loan forgiveness route, whatever comes first. I believed them! 

My loan is now due for repayment and no more forbearance is available AND that all this time I incurred much more interest and that none of the years counted. They never told be that forbearance did not count, on the contrary, they incentive it. 
My loan now is over {$230000.00} - over {$100000.00} of interest alone! 
This student debit is not allowing me to qualify for loans to purchase property on the first floor in order to accommodate my elderly mother who can not use stairs. How can a company, working with federal loans, act solely for the investorss profit? Federal Loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or  more dollars.

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 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My concern is that I am supposed to be in a repayment plan. And XX/XX/XXXX is supposed to be the last payment of {$720.00}. This amount is the same from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I asked a representative " after I make these payments will this bring me back to current! And the representative said yes. He was a man. The representative said your payments will go back to {$480.00}. The new mortgage servicer ( Loancare , LLC XXXX XXXX. XXXX XXXX XXXX, PA XXXX. Telephone number is XXXX ) is asking for {$480.00}, and I am not finished with the repayment plan which is due on XX/XX/XXXX. XXXX XXXX # is XXXX I will just say, for several years this has been my main concern ( mortgage ). I moved form XXXX XXXX to XXXX XXXX XXXX   Mortgage Servicing, a division of XXXX XXXX to Loancare , LLC. I tried to contact XXXX Mortgage Servicing, at the number that I always use and the new servicer picks up the phone. On another occasion I called the number that I received in the mail on Saturday XX/XX/XXXX. And they said that they could not see any thing yet to call back on Wednesday or next week. New servicer is 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 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..

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 2018-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX  as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..

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 2018-03-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute for XXXX XXXX, and Equifax confirmed that they did receive my dispute and submitted it on XX/XX/2018, it is XX/XX/2018 and this account is showing disputed. I called yesterday XX/XX/2018 and spoke with one of the representatives and he states that it is still under investigation. I has been almost 2 months and they have not removed this account from my credit report. From my understanding a company have 30 days to respond to an investigation, but XXXX XXXX has failed to comply. I then called again to ask that this account be removed from my credit report and another rep stated that the account was not in dispute and she have to send another dispute. I asked her what was the result of my dispute from XXXX and she said she did not know.This is seriously a violation, your company gave XXXX XXXX  more that 30 days to respond and they have not. This is unfair to me because my credit score has suffered from this invalid account, that Equifax could not get the company to respond to their request for validation, but then try to sweep it under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I previously sent in a loss mitigation application with no response from Caliber. Now I have been served with a Sheriff 's notice and need a loan modification. The loan modification submission was not responded to. Caliber has now taken a position that they do not have to review me for a loan modification because of the proximity to the sheriff sale. I disagree with this premise because it is not in good faith. I do not have a large arrearage with Caliber and I have money to make a lump sum payment. I have been making payments to Caliber up until the middle of last year. I was never sent a loss mitigation package nor did I ever receive a Notice of Intent to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from 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 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: MD

Complaint narrative:
I contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no 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 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX Card On XX/XX/2018, I paid off full amount due on XXXX XXXX Card, amount was {$68.00} owed to bring account to XXXX BALANCE. My credit union posted this payment, made on their issued VISA card, on XX/XX/2018. I attach here an image of that account summary showing this transaction on that date. 

Statement from XXXX for XX/XX/2018 shows {$68.00} " overdue balance, '' and then ADDS an additional {$40.00} " LATE FEE. '' They now want {$100.00} for a card that I have already paid off. A scan of this statement is attached here. 

I have demanded that Bloomingdales/American Express/department Stores XXXX XXXX correct their record, issue a credit for the {$68.00} already paid, REMOVE the {$40.00} " late fee, '' and close my account to prevent further bad behavior on their part.

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 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX   previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery and this writer settled this account in the beginning of XX/XX/2018 however on the XX/XX/XXXX I received notification from them and credit reporting agency that there is a remaining balance. This account has been satisfied the collector received payment and is now reporting an entirely different amount owed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys. 

I want to return the keys and retrieve my items as well as check under the seats for any other personal things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.

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 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Around XX/XX/XXXX, I came across an offer on the XXXX XXXX website regarding their co-branded American Express XXXX XXXX credit card. The offer stated XXXX bonus miles. The requirements, as stated in the online marketing promo info, are ( 1 ) spending {$2000.00} in the first 3 months for XXXX miles, and ( 2 ) an additional {$1000.00} in spending within the first 6 months for another XXXX miles ( total XXXX miles ). 

I applied online and was immediately approved as I have excellent credit rating. Amex issued the card around XX/XX/XXXX and I activated the card around XX/XX/XXXX. Subsequently, I satisfied the {$2000.00} spending requirement in the month of XX/XX/XXXX and then additional {$1000.00} spending requirement in XX/XX/XXXX. I waited for the XXXX bonus miles to be credited to my XXXX account, but nothing happened for many weeks. Finally, on XX/XX/XXXX, I contacted Amex on their website using their online chat feature. I contacted them again on XX/XX/XXXX using their website online chat feature. I am attaching a copy of our online chat transcript. 

In a nutshell, Amex now says that I will not be receiving the promised XXXX bonus miles because I had held an Amex XXXX XXXX card in the past. This limitation was nowhere mentioned in the marketing promo material. In my online chat with Amex, they say this limitation is disclosed in the terms and conditions in the welcome kit, but the kit is delivered after the card is issued and sent to the consumer, not at the time when the consumer applies for the card in reliance on the bonus miles offer. 

I feel I am the victim of deceptive marketing by Amex, classic bait-and-switch. They lured me to apply for the card with an offer of XXXX bonus miles, does not disclose the past card limitation until after the card has been applied for, approved and sent. Furthermore, the limitation is buried on page 3 of the fine print. The intent here is to deceive the unsuspecting consumer who applied for the card in reliance on the marketing promo info.

Company response to consumer: Closed with explanation