vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a  XXXX  and I qualify for   XXXX   XXXX   XXXX   .  Navient has repeatedly delayed this process. I submitted the paperwork in the fall of   XXXX   and was told that I would need to wait about 90 days for the company to look over the paperwork. I asked multiple representatives if I had the correct information on the forms and was told that they did n't see any errors. I taught at  XXXX  different districts so I needed to obtain verification from both districts.   3 months later I was told that I completed the paperwork incorrectly. I was supposed to get the  XXXX  to verify my employment. So, I resubmitted my forms with the  XXXX  's signature after again verifying with the representative that there were no other errors. I again had to wait for months. I then received another denial letter stating that I filled in the loan holder name and I was supposed to leave it blank. I, once again, ask the representative if this was the only error and was told that it was. I resubmitted and waited months for a response.   After not hearing back, I decided yesterday to call  Navient  to get an update. The representative told me that there was another error with my paperwork, which they had just discovered, and again it was denied that day. They said that the dates of my employment with the districts overlapped so I need to resubmit my forms. This is the information that the districts themselves provided and again I have asked with every subsequent denial if there were any mistakes.   This has been ongoing for many, many months. As I wait to find out if it is approved I continue to pay interest on the full amount of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: MA

Complaint narrative:
This company uses spoofing to contact me and my family members and have yet to contact me in writing. Their calls are harassing and annoying and they refuse to stop. They call numerous times back to back every single 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 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date    XXXX  .  Payment mailed   XXXX .  Payment sent first class standard envelope without tracking from    XXXX   XXXX   XXXX    to    XXXX   XXXX   . Payment should of easily been received by Friday the  XXXX . I called the bank on   XXXX   at approx.  XXXX  in regards to this matter and spoke to an agent named  XXXX . Bank agent  XXXX  stated a late fee waiver was requested and issued back in   XXXX   XXXX   XXXX   and another could not be issued. I stated to him the reason for last years late fee waiver request was because  USPS  tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the  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 2017-05-02 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: MO

Complaint narrative:
I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

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 2017-05-02 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: MO

Complaint narrative:
I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

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 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC  XXXX   C  O RESURGENT CAPITAL SERVICES  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC XXXX  (  XXXX  )  XXXX , has re-aged  XXXX  accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act.     Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor-  XXXX    XXXX    XXXX   XXXX   XXXX  Original Balance  XXXX   Date Opened- XX/XX/2017  Date Reported- XX/XX/2017  Creditor Name-LVNV FUNDING LLC Account  XXXX  Original   Creditor   XXXX    XXXX    XXXX   XXXX    XXXX   Original   Balance-    XXXX   Dat e Opened-  XXXX  Date Reported XXX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was contacted by a rep claiming I owe debt to a  XXXX  loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of   XXXX   XXXX  ,   XXXX ,   XXXX    and   XXXX   XXXX    have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on   XXXX   XXXX   and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
While I was able to obtain forbearance from the company a handful of times, that does not help me in the long run. Unfortunately I do not have specific dates for my phone calls with this company, but the lender literally told me there are  0  options for reducing my payment. Payments continue to go up while my income remains low due to losing my job in  XXXX   2016. I  also physically not able to obtain a job in the degree I earned due to a   XXXX   XXXX    on the job. This company refuses to work with me and I am unable to pay the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of  XXXX   XXXX   XXXX   I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever  heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect name name, addresses and phone numbers. I have disputed several times and it was removed but back on my report. I called Transunion and asked for a  US  rep and was given  XXXX   (   XXXX  ) who just kept transferring me to a voicemail.

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 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I have called since the begin of last year.    XXXX / XXXX /  XXXX   was first call to them.   I have called at least once a month to this comapny.   I have sent certified mail to this company was sent back.   I have email at least  XXXX  different email address.   I have a attorney contacted them still nothing.   This debit is not mine. I have ask numerous time to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian credit report as been showing a collection from  XXXX   XXXX , Account number starting in  XXXX  witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same  Company n ame,  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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Today I received a notice that said they were debiting my account {$72.00} for overdraft fees. I have tried to get them to refund these before and they have said no until I filed a complaint. They are taking advantage of me because I am  XXXX  and only making {$10.00} an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02 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 — Was not notified of investigation status or results
Company: HW Holding, Inc
State: FL

Complaint narrative:
This account has not been verified according to FCRA, FDCPA, Federal and State consumer laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX  via  XXXX  and found a Kohl 's Dep artment Store trade l ine on my  XXXX  and  XXXX  credit report, however, I never applied for the card in question, which list me as an authorized user.  <P/> Date opened  XX/XX/XXXX  ; amount {$490.00} listed on my   XXXX   report and {$540.00} listed on my   XXXX   report. I have tried calling Kohl 's, however, I am still awaiting a response, so I decided to file my complaint through the consumer finance agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was with  XXXX  then they sold to  Shellpoint,  after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on  XXXX / XXXX /  XXXX   to appeal withing 30 days, today is  XXXX   XXXX  and my housing  counselor j ust found out that I have a sale date for  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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a CAVALRY PORTFOLIO SERVICE account. I never had a cavalry account. there is a memo that states it  may be a   XXXX   XXXX   a ccount which was included in my bankruptcy.  Calvary is rep orting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has cru shed my credit score and needs to removed ASAP. This is double hitting my credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  Calvalry  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   through Attorney-In-Fact  XXXX   XXXX ,  XXXX  an d Select Portfolio  Servicing, entities do not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from   XXXX    XXXX  to the  XXXX   XXXX   XXXX  which was closed in  XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX   by  XXXX   XXXX , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership with  XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX   and Select Portfolio Servicing Subservicer. I have prepared uploaded documents called CFPB  Complaint    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , / Select Portfolio Servicing and Exhibits which explain in greater detail what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
I have no contract with this company in regards to any debt owed.

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