vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..

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 2018-10-04 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: GA

Complaint narrative:
Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..

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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company try to collect e debt that not belong to me .The credit bureau they deleted the original creditor because they find that debt is not belong to me, and this company abuse trying to collect a debt that not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JTM Capital Management, LLC
State: WI

Complaint narrative:
JTM management phone number XXXX.

Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried reaching Experian and the computer that answers the phone makes it impossible to dispute any item on my credit report. What comes up instead are two options. Option 1 is to purchase a credit report. Option 2 is to buy additional services from Experian. 
Experian 's Telephone answering system is defective and is set up to prevent consumers from filing a dispute by phone. I tried filing the dispute online and I am also blocked with a phone message stating that they are able to process my dispute online because there is no option and no way to reach anyone by phone.

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: North American Credit Services
State: FL

Complaint narrative:
Yes here it is again this same company whom I have repeatedly advised to stop calling my number and now it is a different person calling me from North American Credit Services, this woman stated that her name was XXXX. These calls are disrupting my family. I advised them that I do not have any income at this moment to pay anything. Now they call all times throughout the day and I want them to respect my family members and stop calling their phone. Before hand it was 3 gentleman, now it is a woman. Sometimes they call after hours at night and I immediately ask them to stop. If I have no income of which I explain that to them then I can not pay anything.The phone number that XXXX call me from on XX/XX/2018 was XXXX, yesterday the number XXXX XXXX. The dates were Wednesday XX/XX/2018 at XXXX XXXX, then continuously again today and now they are calling me from different numbers. They call me back in XX/XX/2018 at XXXX. Sometimes the calls are coming thru all thru out the evening from this same company and I want it stop immediately. From the telephone number of XXXX, they call my number 5 times. XX/XX/2018 at XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX between hours of XXXX XXXX and XXXX and then a second time XX/XX/2018 at XXXX. I have ask them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Docuservpro dba Simple Repayment
State: IN

Complaint narrative:
I was contacted by a company last year. The company was called XXXX they said if I pay a consolidation fee that after a few years my loans would be forgiven. They said they would walk me through everything and keep me updated. After a few months I talked to my actual student loan provided and said I was not in such a program and that was not true. I tried to get a hold of the XXXX company and it seems like they changed names a few times. Now they are called https : //www.simplerepayment.com/ Simple repayment. When I traced who was taking the money out of the account I called the bank to stop it and the company put a collection notice out and said I had to pay or else I would be taken to court. At this point I had no contact with anyone from the student loan group or the collection agency taking the monthly deposit out. I have tried to cancel but can not and they keep taking a monthly fee out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have repeatedly requested my loan payment history and a copy of my entire loan servicing documents from my account with Bank of America. I believe they have not accurately recorded all of my payments over the duration of my account since XX/XX/1992. They repeatedly refuse to provide me with these documents or provided a limited amount of documents as the documents will prove that they have not recorded all of my payments accurately and my loan should be paid off by now. I also need to review all of my loan servicing documents since the inception of my loan. I have requested these documents via certified mail and was told they would provide the entire document request within 30 days on 2 occasions and they have failed to do so. They are breaking the law. I have also went into several bank branches who have told me they can not provide it as well as phoned on multiple occasions with this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This company contact me to collect a debt behalf to XXXX bill the balance $ XXXX.I don't own to a XXXX not a cent.They find my phone and the treat on me that you have to pay the debt and the sheriff department is on there way to arrest me if im not paying.I have hard 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 2018-10-04 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: SC

Complaint narrative:
In XX/XX/XXXX I disputed a fraudulent account with XXXX  for a credit card that was obtained without my knowledge. According to my credit reports the acount went into negative status in XX/XX/XXXX. The fraudulent XXXX ( XXXX XXXX ) account was taken off of my XXXX report. The XXXX account is still on my XXXX report. It was updated in XX/XX/XXXX to reflect it being charged off as a bad debt with no payment history. The XXXX account remains on my Experian report. XX/XX/XXXX it was updated as Failure to Pay Charge off. The comment " subscriber reports dispute resolved-conusmer disagrees '', was added to both Experian and XXXX  reports.

I sent letters to Experian and XXXX  about the fraudulent CFNA account and filed a complaint with the CFPB before. Because of the complaint XXXX ceased reporting the payment history.

However, on XX/XX/XXXX, XXXX  updated the payment history of the account on Experian to reflect another Failure to Pay.

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 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am losing my home in foreclosure I am trying to to work with my servicer Shellpoint but they are not treating me fairly. 
they have a sale date for XX/XX/2018 at XXXX XXXX  and I was never notify that was a sale date on the property until a family member saw it on the website last week, I am working to do a short sale and save my credit from more harm but Shellpoint are not giving me the necessary time to get a loss mitigation solution I I need to save my credit at least.. 
XXXX from shellpoint called on XXXX of this year treating me that she can foreclosure in the house any time she wants to this is very scary for me and my family all i am asking to postpone the sale for another month until I find a solution to my financial situation .... it is already cold in XXXX I can not be on the streets with my children they refused to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am filing again a complaint against Navient Student Loan service YOUR bureau is supporting the XXXX XXXX XXXX XXXX ; folks like myself who were DECEIVED by being told if we make the 120 month payments : be eligible for XXXX Forgiveness. Lawsuit states there are MANY flaws in that expectation Also deception with WHY I qualified in every way except Navient 's reason : private loan Read the lawsuit now in force. 

I want to join that lawsuit and I want your help this time in making that a reality You blew me off a month ago, with a lame excuse of nothing you can do Well, THERE IS SOMETHING you can do!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
am almost positive I am being steered. I started my loan modification process over a year ago and they keep pushing it back and denying me loan modifications. XXXX has told me they would be changing my fixed rate 4.25 % to 5.3 % and lowering my monthly payment by {$70.00}. I have applied for loan modifications so many times and each time they have a new reason why they are denying me. Something is not right. I am down to my last few option, but I know something is not right. I am complaining everywhere because this company is trying to take my home because of all of the equity I have in my home. They have been making it hard for me to afford my modification and they are always considering things into my monthly payment that I am not paying for. I have had it. I need to get people involved who can truly help me in this matter. XXXX XXXX XXXX knows of what XXXX  has done to me. During all of my loan modifications over the last year or so, XXXX has not be properly reporting to help me save my home. They simply want to take my home. 
Why are they telling me information regarding what the interest is GOING to be? So many things wrong here. They need to be stopped. 

Last year I was doubling up on mortgage payments to get caught up and when I lost my job and was only two months behind they never told me anything about a loan modification process. They just kept allowing me to get further behind. This has been the worst time of my life. How does it help the home buyer to raise the rate and only reduce payments by {$70.00} dollars. They are steering me. They want me to foreclose so that they can have my equity.

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I try several times to contact Equifax about only one item that i have problem on there file against me.They not investigate it look like they are part of collection agency even the report that they have on file is fully of errors The Equifax investigation was not done on proper way.They Part of Collection agency that they report me fully of errors.Operator suggest me to pay to avoid further law actions from the collection agency.They can't threat people like this.They was told to me that Equifax don't have a power to remove items only the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo purposely turned off my auto payment. This resulted in them charging me fees and reporting to the credit organizations. I did not make this change, the Wells Fargo banker did.

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I spoke with a representative regarding degratory information on my credit report. I inquired about one account and was then notified about a second account. I was not properly notified about being able to resolve any delinquent accounts. I asked the representative If I could pay the balance and have the information deleted from my credit report. I was told no that this was against the law and that the only thing the company could do was show a paid derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am a XXXX years old XXXX, XXXX, having as only income SS XXXX. 
Last year, XXXX  sent me a letter warning me that their consumer 's files have been hacked and my was one of them. 
As a result I was monitoring my credit report profile. 
On XX/XX/XXXX a inquire from Quicken Loans was showing in my file. 
I complained to them that it was not mine. 
As a clear prove, I am a XXXX years old XXXX person living on social security only. 
My house is fully paid and for my age and health conditions it is not my intention in to have a mortgage. No now, No never! again : my house is fully paid. 
I complained to both, credit report bureau and Quicken loans. 
After one year of complaining I finally got a phone call today XX/XX/XXXX from Quicken Loans. 
They don't want to accept only my clear reasons why I was not the person who request a mortgage ... the reason that my credit profile was hacked is not enough ... the reason of my health condition is not enough, the reason of my age either ... 
Maliciously, the want from me to have a police report ( police doesn't want to make a report about this civil issue ) I do not have other choice than complaint to you and ask you for your help. 
I began to believe that it has been Quicken loan who has pulled out my credit report without my authorization! 
They do not care if I am a handicapped old person. It seems like they want to punish me by asking me to go to the police to fill a report??? 
See attached email. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
n XX/XX/XXXX we were finishing up on what was difficult to get modification and I XXXX XXXX all payments with correct amounts yet last one was rejected by ocwen and I had to get it back and resend than I had to verify that that was the amount owed and now that I had to reapply for modification. we were told application would be sent and nothing than after several calls now closer to XXXX there was a sale dateXX/XX/XXXX now several calls to higher up and assistance by XXXX XXXX a real estate agent and legal assistant we stopped it. we had verified all documents were received and still waiting. since they delayed we needed updated information. than XX/XX/XXXX we are informed my father was in BK which he wasn't. Ocwen refused to speak to us and never informed us further until late XX/XX/XXXX. an agent slipped agent from ocwen XXXX XXXX  said a bankruptcy case # XXXX, lawyer XXXX XXXX. XXXX XXXX XXXX that a cease ans desist was placed on ocwen loan XXXX XXXX XXXX/ XXXX XXXX  XXXX so now after 10 months of them refusing any kind of communication with us that we now have to resubmit modification documents in which submitted over 36 times with confirmation was received than need information to trying to stop sale dates. now we don't qualify due to second etc. so under duress we requested to short sale and submitted all documents now 2nd note wasforgiven and and all papers have been signed about 6 to 7 times a confirmation all docs received now a deed in which was submitted in XX/XX/XXXX ocwen agent XXXX that laws changed and that deed for XXXX XXXX is fake and that we provided false document in which it is valid recorded and this is now beyond we have signed over 5 times and submitted since XX/XX/XXXX and still I filed a complaint with the abundance department I don't know what to do anymore I need assistance and there are too many documents to submit I can and will mail to address filed for modification over 36 times on shortsale it states we never requested modification in which we did at this point we just signed under duress.

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 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial
State: WI

Complaint narrative:
XXXX XXXX  phone number XXXX. 
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Hello I am being contacted by a company called diversified consultants inc.  They are calling me multiple times a day and within less than a 2 hour  window each time. They are continuing to call me after having contact with me same day. When I try to call them back to discuss issues with them they disconnect the call. I am not using profanity or raising my voice and they are disconnecting the call and telling me to " be nicer ''. I believe this is a tactic to harass me and it is extremely unprofessional. I have asked several times for them to not contact me any longer and they are still calling. The actions are not only unprofessional but illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
A claim was made against me in the amount of {$2800.00} from the company Ford Motors Credit. I haven't received any information about this debt. Account date is XX/XX/2013.

Company response to consumer: Closed with explanation