vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: SC

Complaint narrative:
Letters were sent in XXXX, XXXX, and XXXX requesting for accounts to be removed. Also there were late payments reported for XXXX XXXX that were never late. I have requested that the information be removed from my account as it negatively affects my credit. They have sent generic verified responses or haven't responded at all to my letters providing information on how it was verified, the original note, or anything. I have demanded that the information be corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems placed a collection on my XXXX  credit report. I never received any written notification or phone calls from them about a debt owed. It is also a debt that does not belong to me. When I called them they were verbally abusive and said I would have to pay the debt to have it removed and they did not have to prove it or notify me of any information regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: MI

Complaint narrative:
After being denied a loan, I discovered that XXXX XXXX XXXX had filed a " derogatory '' status on my account in 2014 on a car loan I had paid in full. I filed a dispute with Transunion, and after three attempts XXXX XXXX XXXX finally agreed that the loan was paid in full and agreed to change that on the credit report but they never removed the derogatory status. I have filed again with TransUnion to find out why this is still on there, I have also written to XXXX XXXX XXXX, with no response from either one. Since the loan is paid in full, and my payment history with XXXX XXXX XXXX over the live of the loan is satisfactory, I don't believe a derogatory status is appropriate or warranted and I want an answer as to why that is still there or I want it removed.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash removed money from my checking acct. I got loan for {$500.00} lost my job and was placed in a program related to XXXXI closed out my XXXX and that was all the money I had, while I'm out of work! 
I need the money that was taken out of checking account,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: NJ

Complaint narrative:
The real reason for this complaint is because the debt collection company 'M Leonard & Associates ' is operating illegally in trying to collect on a debt in New Jersey. Though it is not necessary to have a license in the State of New Jersey to collect, paying a {$5000.00} surety bond is mandatory by all collection agencies operating outside of the state to collect within the state. N.J. Stat. XXXX. XXXX ( XXXX, XXXX through XXXX, c. XXXX ). 
I have verifiable proof that this company has not paid the surety bond & can not legally collect on this debt. I've already contacted the company via email only to be ignored twice.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loans taken XXXX through XXXX have been in repayment and making payments per the graduate payment plan. Navient has placed the act in forebarrence on numerous occasions af a result of us not being able to make full payments. The balance continues to grow and now in wage garnishment. We tried to set up payments we're could afford and continued paying only to watch the balance continue to increase. My request 1. I would like copies if all loan docs with terms at time of disbursement. 
2. Account history from direct loans, to sallie mae to navient. As the act has moved a consolidation has occured. I would like the original paper work on that consolidation and the terms at the time. 
3. Reasonable repayment that will actually reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Financial Recovery Services, https : //www.fin-rec.com/ continues to call me multiple times a day attempting to collect debt belonging to someone else. I have never heard of the person they are looking for and I have told them multiple times. They hang up on me and continue to call multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am a co-signer on an auto-loan that is through PNC bank. If the loan is one day late they will start calling and harassing for payment. The loan is not even 15 days late this month and they have called 3 times this month before XXXX XXXX. They called today and the payment is processing in their system. I live on the west coast and the individual responsible for paying lives on the east. They have called me Saturday XX/XX/XXXX at XXXX XXXX, Tuesday XX/XX/XXXX at XXXX XXXX, and Friday XX/XX/XXXX at XXXX XXXX. Numerous times I have told them I live on the west coast and gave them my address. We have even had them change the primary contact to the individual who makes the payments in Florida and it never sticks in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: NCB Management Services Inc.
State: MO

Complaint narrative:
NCB Management Service is reporting incorrectly to XXXX  ; XXXX and XXXX  a collection in the amount of {$2500.00} on the NCB MANAGEMENT SERVICE account number XXXX. The original creditor is XXXX  XXXX  XXXX   XXXX, XXXX. This account was fraudulently opened by my ex-husband on XX/XX/XXXX. I never authorized or agreed to open this account. Because this account was opened in my name, I began receiving statements from XXXX. I immediately contacted XXXX  to let them know that this account was not mine, however in the meantime until this issue was resolved I had no choice but to make the monthly payments on this account. The amount of the loan was {$2200.00}. This loan has since been paid in full. ( Please see attached Transaction History. ) I continued to have issues with XXXX  not properly applying my payments and consequently interest kept accruing even though the account was paid off. I did not know that XXXX  sold and transferred this account. NCB Management Service is a third party debt collector. There are several issues with how this account is currently being reported. First, NCB is reporting ( 90 ) days past due with a starting date of XX/XX/XXXX. A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, this could result in a legal case against the third party collection agency. Second, there is no date being reported for last active which is a violation of the Fair Credit Reporting Act. This account should be reporting a {$0.00} balance and {$0.00} past due. I have made numerous attempts to resolve this issue directly with XXXX  XXXX  however, I was not successful and consequently this account now is with NCB Management Service. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus ; XXXX XXXX XXXX XXXX XXXX and NCB Management Service to resolve this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo educational services is servicing my account and I just realized that it is a variable rate loan. Wells fargo has charged me late fees and reported to the credit agencies as delinquent. My problem is that there has been no communication sent to me in regards to the change in rate and they just send out statements with new amounts. I have been lazy to look into this but It would be surprising to me to know that they are not required to sent out notices of rate changes? If so, they are charging late fees and reporting me as late even though I have on time payments for years. 

I am frustrated to learn that Wells Fargo due to no notifications that they may be making a large sum of money from late fees over a simple letter that would notify the consumer of this change. Is a notification required? If so, I would consider my contract null and void with them. We will never get out of these loans if they continue to pry on the consumer and take advantage of us day in and day out. I have paid into the loan since 2011 and on a {$21000.00} loan I still owe Wells {$19000.00}. Wells However, has made {$16000.00} on my loan, that is criminal, I should be close to paid off at this point. 

Please 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 2019-11-15 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: ME

Complaint narrative:
I ask that Experian fix the below errors on my credit report that I've either already disputed or there is no section to add the particular dispute. 

I respectfully ask that the CFPB leave this complaint open until Experian provides an updated credit report to me, in-hand, not simply when they reply to this complaint and say, " we'll investigate but it could take some time. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Good morning American Express, I have been attempting to redeem some of my member rewards ( MR ) points and I am not able to due to the message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am trying to book a flight for the XXXX XXXX season coming up to see family and i find it completely distasteful that I had legitimate spend on my card yet I am now at the mercy of American Express reviewing my account, however long that will take. 

Please unlock my membership rewards account so I can book a flight with my hard earned points. I am asking as a long time customer of American Express. I dont mean to be pushy. I just want to use the points I fairly earned. I am sure American Express can agree with that. I pay {$550.00} card benefit for this card and I better be able to use all the benefits. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have a mortgage loan with Ocwen Mortgage which in XX/XX/XXXX was taken over by PHH Mortgage XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I had been going through a foreclosure since XXXX of XXXX. In XXXX through the attorney of mortgage company We came to an agreement that my loan modification would be accept and that we could settle out of court if I agreed to pay my mortgage from XX/XX/XXXX- through XX/XX/XXXX. 
My monthly payment is XXXX on XX/XX/XXXX I signed the modification loan had it notarized and sent a check for {$10000.00}. I couldn't not communicate with loan company because of the foreclosure so I communicated via through PHH attorneys to find out the status of Modification. It is now XX/XX/XXXX and I have not heard back from mortgage company regarding modification. I also conveyed through mortgage attorney to send me a balance as to how monies were applied. Attorney conveyed information but I never received status. In late XX/XX/XXXX. I received an email that a new foreclosure would commence. Not sure what that meant when I had sent money to settle the foreclosure. I sent the foreclosure intent to mortgage companies attorney why they were sending me such a letter when I had already sent money to settle out of court. 
Attorney said she would convey the information and get back to me, I also asked attorney to send me a breakdown as to how monies had been applied she said would. 
It is XX/XX/XXXX and I still have not received correspondence from mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was due to go to the XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. However I could not go because this was an academic exchange for researchers of the XXXX XXXX XXXX XXXX and due to a family emergency I could not attend. According to the booking confirmation with XXXX XXXX XXXX XXXX, it said the fee was non refundable but it also said, We understand that sometimes plans fall through. We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies, the cost will be passed on to you. XXXX XXXX XXXX XXXX charges the following cancellation and change fees. I filed a dispute with American Express ( reference number XXXX ) and they did not take into consideration the documents that I wanted to send. I tried sending the documents to them on five occasions and have been told they never had them and did not take into consideration my documents/agreement that I received from the hotel. To this day I spoke with a supervisor for the 5th time and she asked me to send the documents again for the 5th time using www.americanexpress.com/docupload XXXX American Express XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX However I have already done this five times and without taking into consideration these documents or even calling me, they reached a decision. I never used the service and the documents had the option to have plans fall through, and Americans Express appears to think I should still be responsible for these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: TX

Complaint narrative:
experian you are reporting XXXX XXXX XXXX 7 times on my credit report stating collections enclosed are a copy of the accounts on your report .I have emailed, mailed and faxed for information from XXXX  XXXX  XXXX  with NO response SO i looked up the company of the XXXX  it states that the company appears to be out of business document enclosed seems mail sent on XX/XX/2019 was returned to the post office { as attempt-not known } that explains why I can not get the documents with my alleged signature and proof of service that XXXX  XXXX XXXX  claim and that XXXX  can not provide the documents to me in a statement from XXXX to CFPB they state that they did not purchase these alleged account but was asigned to them I question that because this company has a bad recorded with the ATTY GEN and the FTC . XXXX has already violated my HIPPA right by Sending a copy of alleged dates with name what the billing is for to the CFPB and you were sent that report in protest NOW XXXX  XXXX  XXXX   XXXX can not validate these alleged accounts i request that they be removed from my credit report because they are not mine there is no contracts with my wet ink signature nor proof of service all documents are enclosed in this dispute

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 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I usually pay my monthly mortgage statement balance with extra {$500.00} to the principal reduction and have been no problem to do this. However, last month {$500.00} went to not principal reduction to the escrow account. So I called them and left message through their website total 6~7 times. Every time when I call them, the manner of providing service of the agents were not nice. Some time they were yawning or giggling. Anyway they said your request is in process you should see the result in your screen in 2~3 business days, but it has been almost a month now, still I don't see the correct reversal in my account ( loan activity ) page. I'm so tire to talk to them now, and don't feel pleasure to speak with them. I want them to solve this issue ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech is trying to keep my XXXX in escrow after paying off my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: AES/PHEAA
State: MA

Complaint narrative:
Fed loan servicing is a complete scam. After enrolling in part-time XXXX  school they automatically make changes to my account to set to deferment. No one should be making changes for my account other than myself, if I wanted to enter deferment I would have. On top of this, I was eligible for the deferment back in XXXX but it did not actually kick in until a few days before my loan should be paid in XXXX. After being notified by Fed loan of the deferment I received multiple emails that I should still pay, yet they make it impossible to take my loans out of deferment. After spending 30 minutes I finally was able to reach through to an actual person who informed me I must now fill out a form. The only place this form is found is before logging into your account at the bottom of their web page in small writing. AKA where no one will look. After that you must submit this form, they give plenty of options to submit for deferment and avoiding the loans, but force the form to get out of deferment to fall into the other category. This category, of course, takes longer because it does not give a defined path to a representative. While on the phone I also asked about the ability to target higher interest loans with extra payments because my employer also helps with my loans. Apparently you can only target higher loans with single payments, not auto payments. Now not only did they mess up my loan statues but have also messed up my employer 's contributions. Every single procedure and step about this company is designed to make you pay more and keep you as long as they can. They send emails to say look what we can do to help and then give a complete run around that often makes things worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 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: AZ

Complaint narrative:
I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. XXXX   shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my Equifax report. These should match. 
Now, Equifax has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  has these same 4 accounts as closed. I think these should also be closed on my Equifax report.

Company response to consumer: Closed with explanation