vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
Professional Account Management continues to try to collect a debt from two " unpaid parking tickets '' on behalf of the XXXX Government, which are invalid. These two parking tickets were paid in 2016, and the checks that I sent to the DC government at that time were cashed : one for {$40.00}, and one for {$50.00}. In one instance, DC sent me a notice that the amount they received was not received on time and wanted to collect even more money from me. I contacted them with the bank information showing that it was cashed within their time frame, and had that false claim removed. However, both tickets still appear as " unpaid '' according to Professional Account Management, with a notice I received in a letter on Friday.
<P/> I have contacted them ( Professional Account Management ) in the past with the phone number provided in a different letter ( ( XXXX ) XXXX ) which reflected a different amount, and told them this is false information ; however, they argued about it on the phone, and have again sent another letter, this time the amounts are increased.
<P/>
Also, in this letter, it shows only one citation number, but then shows that additional money is due (? ). It reads as such : account # : Citation # : XXXX Amount Due : {$60.00} Amount Due all citations : {$130.00} They then threaten enforcement activity by impoundment of a vehicle if there are " two or more delinquent citations. '' That 's convenient - is that why they are trying to collect on multiple amounts with only one cited?
<P/>
Either the XXXX  Government is committing fraud/extortion, or Professional Account Management is committing fraud/extortion. Either way, there needs to be some federal intervention of this phony debt, and the collection agency 's collection practices. I do not intend to pay either party any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: CA

Complaint narrative:
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX/XXXX/XXXX I paid XXXX XXXX XXXX XXXX {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection 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 explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
We are trying to complete a short sale with XXXX XXXX thru their sevicer Nation Star mortgage. They ordered a brokers price opinion and charged that fee against the mortgage payoff as a fee. When we asked to see a copy of the BPO that the homeowner paid for, they told us that they do not share that info with the homeowners. We have requested a copy 3 times from XXXX XXXX and one time thru Nation Star Mortgage and were told no each time. We would like a copy of this BPO report in order to properly dispute the value that was given by XXXX XXXX valuation dept. Can you please help us get what the home owner has a right to see since she was charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: DC

Complaint narrative:
Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Central credit services LLC XXXX XXXX, MO XXXX XXXX This collection agency is trying to collect {$380.00} from me. Now on my credit report. Please help me get this removed. XXXX XXXX has not legally informed me of this debt collection. I am Disputing XXXX  XXXX collections regarding unreturned equipment. I was forced out of my apartment after 14 1/2 years. I had one day to move my personal items out. I spoke to XXXX XXXX regarding stopping my service. They informed me to leave old equipment behind. It was obsolete and paid for after 13 yrs of having it, and that I would get a new mini box when I moved into my new location. The equipment was left behind in my old location, as advice by XXXX XXXX consultant. XXXX XXXX  can track this equipment if someone is using it. They informed me of this when I received a bill for {$380.00} then they told me there were going to investigate, but I never received a call back, either way, 2 months ago. Now they have submitted it to this collection agency. This charge is not legal, this is another way for XXXX XXXX to collect more money and rip people off. I have other people dealing with the same issue. They are scammers. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: IL

Complaint narrative:
Stearns lending customer support phone number XXXX has been unreachable for at least five business hours on XX/XX/XXXX from XXXX-XXXX ET. Additionally, their XXXX login for my account mysteriously stopped working on XX/XX/XXXX with no ability to reset the password online without contacting customer support - again which is down. Stearns lending failed to implement escrow payments for my taxes and insurance as previously set up on my mortgage when it was transferred to them in XX/XX/XXXX. This caused late tax payments in XX/XX/XXXX which I had to pay out of pocket. The escrow setup for my taxes and insurance was attempted to be resolved in ticket XXXX on XX/XX/XXXX. After receiving no response I emailed them again on XX/XX/XXXX. I ultimately had to contact them via phone to resolve the situation - which they still proceeded to fail set up escrow for my insurance. Unfortunately they still have not correctly set up my insurance payments and it has lapsed. Due to these multiple inabilities to provide basic loan servicing I am registering a formal complaint due to time spent and financial burden I am incurring due to their failures. I currently have a new ticket XXXX regarding requesting again the escrow setup for my insurance.

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 2017-06-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loan creditor, NAVIENT is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 8 accounts ) Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXXand retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
Did a money transfer to a person that I have sent money to before. They gave me a tracking number which I sent to the receiver. Two days later, they sent me a cancel of the transfer? I have called several times and they will NOT give me a reason. I asked tot talk to whoever makes decision and they are protected from giving a reason for the decline and cancellation. I tried several times and they will not even tell me why? I am thinking to send again, but why waste my time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.

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 2017-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Mislead by a fraudulent school to take out a high interest loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.

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 2017-06-26 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: Higher Education Servicing Corporation, Inc.
State: FL

Complaint narrative:
My student loan creditor, Higher Education Servicing Corp. is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. ( 2 accounts ) : Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. Loans placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/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 2017-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I lost my job. On XXXX XXXX, XXXX, I contacted American Educational Services and spoke with Representative ID XXXX and explained my situation, specifically that I had lost my job but wanted to see what I can do about my monthly payments. The representative stated I qualified for the MGRS repayment but was unable to give me specifics about the repayment plan, but indicated he would email me the information. I never received the email and contacted AES on XXXX XXXX, XXXX. Spoke with Representative ID XXXX who informed me the previous representative already submitted the application but I do not qualify because I already have the MGRS plan in the past. She stated the only other option is if I left my account go 31 days past due and then get a modified repayment plan. I advised the representative that this is not acceptable as it will negatively impact my credit. I was then transferred to a supervisor, ID XXXX, who indicated again I do not qualify for anything and in fact if my account went delinquent and they did a temporary modified repayment plan, after three months it is more likely than not that my monthly payments would increase from the current monthly repayment. Therefore, being unemployed, I have no options to repay my {$260.00} a month loan other than defaulting, hurting my credit, getting a three month temporary repayment plan and then ending up with higher monthly repayments than I have now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Home Point Financial Corporation
State: NC

Complaint narrative:
I paid my payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX was being brought out by Home Point Financials. On XX/XX/XXXX, I called Home Point Financials to see why the money was still in my account {$1700.00}. I was told it takes 2-3 business days before it will be removed. On XX/XX/XXXX, I called Home Point Financials again because the money was still in my account. On XX/XX/XXXX, The money of {$1700.00} is taken from my bank account. Next I receive a letter that I three months behind -- default on my loan (XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXX ), Next I check my credit report and it states I am late XX/XX/XXXX and XX/XX/XXXX on my Mortgage all three credit bureau. XX/XX/XXXX was not even due and it is reporting late on all three credit reports I write a letter to Home Point Financials to complain and asked that incorrect reporting is removed from all 3 credit bureau -- three time. Twice they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The debt owed is a private student load from XXXX XXXX in 2004. The debt is over 12 years old. According to the statue of limitations they ca n't do what they are doing to collect debt that is over 4 -7 years old  depending on the state and in Florida its 6 years and after that the creditor can not pursue you in any way or threaten you to collect debt over 6 years old for a  private student load. These people have been calling me for the past few years and my friends. I do n't even know how they get the information to contact them due to the fact that I have no phone or anything in my name. They send letters to my friends addresses looking for me and that 's illegal due to the statue of limitations. I want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: EdFinancial Services
State: FL

Complaint narrative:
My student loan creditor, Ed Financial/XXXX is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. <P/>Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 2 accounts ) : Loans placed in forbearance on XXXX 2010 and retroactively backdated to cover past due months of XXXX 2010 - XXXX 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen Loan Servicing ( since they bought our mortgage ) has gone up from XXXX ( what it was when they purchased it to over XXXX now. We have filed MANY times for modification and it was DENIED each time. They are crooks. They manipulate numbers and they Purposely denied payments at one time when we fell behind hoping that we would default. We had to file bankruptcy ONLY because of OCWEN. I want our loan modified and the payment lowered. I know what our taxes are, I know what our insurance is and None of this constitutes the amounts they have increased our payment. When I submit a complaint, they do n't do ANYTHING BUT SEND PAPERS. MAKE THEM BE FAIR! I WANT A MODIFICATION TO OUR LOAN. UNDER NO CIRCUMSTANCES SHOULD THEY HAVE RAISED IT OVER 700.00 IN THE 8 YEARS OF THEM OWNING OUR LOAN. INSIST, that they do right by people or bar them from stealing from American Home owners!! Please take steps. I will file as often as I need to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems failed to validate The debt that they say I owe. I have sent them a letter on XXXX XXXX, 2017 for validation of that section 809B fair debt collection practices act and it has been over 30 days and they still have not responded. XXXX XXXX on XXXX XXXX, 2017 excepted The certified mail on behalf of national credit systems. So I have proof that they got the letter but they are refusing to validate the debt within the 30 days and no response from them. Therefore this negativity should be deleted from my credit report XXXX XXXX XXXX. National credit systems is Breaking my right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them immediately.

Company response to consumer: Closed with explanation