vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 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: NE

Complaint narrative:
After multiple disputes and attempts to resolve with the creditor  XXXX  and  XXXX , the company has agreed to delete the inaccurate information from my file. All credit bureaus have been compliant, except for TransUnion. The request to withdraw the invalid account was made in  XXXX  and has yet to be fulfilled by TransUnion. I have attached a letter directly from the creditor proving their intent to delete the account and a copy of my credit report from Transunion showing their willful non-compliance.

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 2017-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such 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 2017-06-13 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:
I have submitted an identity theft block to  XXXX , Equifax, and     XXXX   XXXX   .  I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All   XXXX   credit reporting bureaus have refused to block it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: CA

Complaint narrative:
On or about  XXXX   XXXX ,  2017 ,  Focus Receivables Management r eported to   XXXX   a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of  XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in  XXXX .     I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In  XXXX    XXXX   my son was transferred by ambulance from one  XXXX   XXXX  to another.   XXXX   XXXX   XXXX   was the  carrier  who submitted a bill to  XXXX  for services. Services were paid by  XXXX , however the check was never cashed and I was placed in collections. Several calls to  XXXX ,  XXXX  and the collection agency and this has still not been resolved.      XXXX  at  XXXX   XXXX  has NEVER returned any calls from myself or  XXXX , she refused to take payment.  XXXX   XXXX   XXXX  has failed to provide proof that coverage was denied or any other documentation surrounding the bill.     I have asked for this to be removed from my credit and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Portfolio Group
State: AL

Complaint narrative:
I received a call from a  XXXX   XXXX   XXXX   XXXX  from Premier Portfolio Group regarding some unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
on  XXXX   XXXX  a transfer of  XXXX  $ was sent to my venmo account from user  XXXX . I was then messages from the user that the transaction was a mistake and that i need to send back the  XXXX  that was sent to me. I reached out to a rep and asked him about the  XXXX  and if it was actually getting transferred? the rep then said that  a specialist will reach out to me regarding the situation. A few days later i received an email stating that my venmo account is being deactivated permanently. I asked if there is is documents or anything i can do to rea ctivate my account and deal with the situation i was put in and the rep has never responded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern My Na me is    XXXX   XXXX   XXXX   m y complaint is with    XXXX   XXXX   XXXX   XXXX   is two  parts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX   in  XX/XX/XXXX   XXXX  in doing so it was not aware that recommit my loan with    XXXX   XXXX   XXXX   XXXX   ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX   XXXX  . we were told by the person handling the modification process with    XXXX   XXXX   that for us to qualify for the modification, we  had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted   XXXX   XXXX    about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom I t May Concern My  Name is  XXXX   XXXX   XXXX  my complaint is wit h   XXXX   XXXX   XXXX   XXXX   is two parts, credit reporting to the  XXXX  bureaus, I filed  a Chapter  XXXX  in  XX/XX/XXXX . in doing so it was not aware that recommit my loan w ith    XXXX   XXXX   XXXX   XXXX    ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XX/XX/XXXX . we have never missed a mortgage payment. however, we filed for a home modification in   XX/XX/XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with    XXXX   XXXX  . we  were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XX/XX/XXXX . we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 2017-06-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom  It May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is with  XXXX   XXXX   XXXX  Mortgag e is two p arts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan with  XXXX   XXXX   XXXX  Mortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX    XXXX . we were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

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 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Yes, I have a problem with navient. I had started wi th   XXXX   XXXX   and  then all of sudden it went to navient. The loan I have is a parental loan which I got for my daughter in   XXXX  . I guess my complaint is they are still saying that I owe them money when I have been paying on the loan for 12 years now. I also had  XXXX  Forbearance on the loan in which I tried to pay the interest off when it was in Forbearancestors but they put to the principal and not the interest. I have all the different information they sent me and when I say different I mean different. When I got these loans for my daughter i was a divorced single mom trying to make a difference for my daughter and trying to build credit for myself. So please need your help in trying to figure out what is going on with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  2017 , I disputed my bankruptcy that is being reported on my Equifa x Credit File and  it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  2017 , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  2017  stating the FCRA regulation for Section   623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified be  cause of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 ) I submit ted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,    2017  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Equifax they informed me everything was verified and accurate on both  Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged and the Lien. I do n't understand how they were verified when noone at the courts verified a nd there is a Security Freeze in place.     I have attached all documentation showing such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This involves account number  XXXX  SLS, the servicer, has repeatedly ignored my requests to remove  XXXX  late charges. I have asked SLS to change the due date from th e  XX/XX/XXXX of  each month FORWARD to the   XX/XX/XXXX of  each month to stop the confusion that has led to late payments. Those requests have been ignored. SLS services  XXXX  loans I have including the  XXXX  being discussed now. Several months ago, unsolicited, they offered to modify the other  XXXX  notes to interest only for an additiona l five yea rs. I expected they intended the offer will all  XXXX  notes. Again, my inquiries on this have been ignored.  <P/>  SLS  has refused to remove the late charges. The conduct of SLS is at best reprehensible if not criminal

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 2017-06-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
Creditor is attaching a debt for  XXXX  University and I never attended  XXXX  University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am currently in the modification process at this time. I have scheduled sale date for  XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On  XX/XX/XXXX  2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that   XXXX   XXXX   is not the owner of my note.   XXXX   XXXX    SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that   XXXX   XXXX   owned my note. I was lied to in writing. BIG LIE!   XXXX   XXXX   is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees.   payment received this month again, due date th e  XX/XX/XXXX  of m onth.mailed on the first from    XXXX   XXXX   to   XXXX  , TX.Have not rec eived draft from    XXXX   XXXX   XXXX   . today is the   XX/XX/XXXX .no contact to a lert me.    Caliber Home Loans   XXXX  TX tel.  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: MI

Complaint narrative:
Allied Collection Services, LLC has contacted me 4-5 times a day from various phone numbers and they will only allow the phone to ring once before disconnecting. Forcing me to call them back thinking it is a legitimate call. The one time I did speak to somebody from the company they told me I owed a debt regarding a payday loan that I do not recognize. When I stated as such I was told " I 'll take this as a direct refusal and when this shows up on your credit report feel free to give us a call back. '' to which the operator disconnected the call. I attempted to call back and nobody answered. On that same call I requested a Validation of Debt letter but never received one. The rep never confirmed my address or validated whether they would send one. They have posted the entry on my credit report now tw ice to the same credit report, showing as  XXXX  different entries. This action is highly illegal.

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