vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: OR

Complaint narrative:
Get a call almost every day and sometimes a voicemail left. It's an account for XXXX for only {$50.00}. I've set up payment twice for the discount price letter i got in email said i could pay that didnt go through. First payment I forgot about as they don't send reminders and didn't have enough on card and second time I had to end up using all money on card for rent that just went up. I know the payments didn't go through. I have not told them to stop calling but I've sent 3 emails to them mentioning the things and saying I know payment didn't go through etc with no responses back so probably wouldn't respond to a no call email. Phone calls are automated. I will get the payment made, I just would rather not have the phone calls. I know about account and I know I need to make payment and will try this coming week. The phone number I entered above is my only phone number so please don't start trying to contact other people, I don't live with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/XXXX XXXX  XXXX has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public. I am also aware that main provider of this information is XXXX. Therefore, XXXX  XXXX is in violation of the Fair Credit Reporting Act for false reporting. 

My rst attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. XXXX XXXX  responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did XXXX XXXX verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies? 

My second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of e-oscar verication. Once again XXXX XXXX response deemed the information veried. 

Laws I can potential le for : 1 ) FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.

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 2018-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on  Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX. 
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

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 2018-05-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

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 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
During the XX/XX/XXXX firestorm, we fought and saved our house with minor damage to the structure. However, there was significant damage to ancillary structures that we built with our own money, after receiving the initial mortgage from Quicken Loans. Our loan amount is less than 20 % of the appraised value of our home, so the company has more than enough equity protection. Our insurance company is XXXX, and they have been extremely cooperative in this process. We have " replacement value '' coverage with them. They have given us checks for the depreciated value of the two buildings in our name and in the name of Quicken Loans. Quicken loans has retained approximately {$7500.00} of that money. To collect the difference between the depreciated value and the cost to replace, the policy requires us to pay, out of pocket, to replace the lost structures. As we do this, we receive reimbursement from XXXX, but with Quicken Loans as an additional payee. We simply can not get Quicken Loans to reimburse us. We can not get answers from them unless we call, and the wait times are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Good Afternoon, I would like to file a complaint because I'm a former student with this school I have complained about this school before. Im currently in default on my private student loan owing {$14000.00} come XX/XX/XXXX. I have already contacted a lawyer locally to investigate this school for predatory lending practices. I have contacted the lender to negotiate payment arrangements back in XX/XX/XXXX and told them that I {$290.00} twice a month while paying rent and a car note was not feasible to make a living so I was sued and granished XX/XX/XXXX. I have since went to court and filed a homestead deed to have my funds returned to me they have filed another court hearing for garnishment XXXX which I will have another attorney review my case before then. I'm currently {$80000.00} in debt from student loans I can not go back to school due to the XXXX cap the school took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : XXXX XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX  XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX   XXXX  not mine XXXX XXXX XXXX not mine XXXX  XXXX  not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  not mine XXXX XXXX   not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX. never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXXXX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorized

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
AMSHER COLLECTION SERVICES has been inaccurately reporting an account since XX/XX/XXXX which they claim I owe {$110.00}. My rst attempt to resolve this matter was received via certied mail USPS ( XXXX ) on XX/XX/XXXX.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX simply stating, the letter is to inform me that they received my notice of dispute regarding collection and they will provide me with any documentation they receive of my request. Also included in their response was a company telephone number and options to pay, however, they failed to validate the debt.

The term breach of security means, with respect to unsecured PHR identiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of AMSHER COLLECTIONS SERVICES.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX, with an printout of an itemized deduction verifying the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Medical related documents was also included in the documents sent. AMSHER COLLECTION SERVICES should be advised the under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. AMSHER COLLECTION SERVICES failed to respond.

Laws that I can potentially le suit for : 1 ) HIPAA ( Health Insurance Portability and Accountability Act of 1996 Metro 2 Compliance 2 ) US Court of Appeals - Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX 3 ) FCRA Section 4 ) 623 FCRA Section 605 ( c ) 5 ) FDCPA Section 809 ( b ) FTC opinion letter Cass From XXXX.

As FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX sent me an email on XX/XX/XXXX stating my XXXX 's credit card was closed due to inactivity as of XX/XX/XXXX I called immediately on XX/XX/XXXX, to discuss re-opening my account. I fully understand creditors can close accounts due to inactivity. I plead my case, stated positive credit history/payment history with the one purchase I made. 
I advised that I was working very hard to bring my credit score up  due to wanting to buy a home over the next few years. I also pointed out how this will affect my DTI, and my positive credit history. 
This is for a specialty card, for beds. How am I supposed to make a purchase when it's for a type of merchandise that isn't bought monthly or yearly? It makes no logical sense from a consumer standpoint to tell them that they need to make a purchase to keep it active when it's for an item that's meant to last long periods of time. 
The reps at XXXXXXXX XXXX were very nonchalant, dismissive and rude to say the least. I have learned my lesson, I'll stick to the major credit cards and use them responsibly going forward.

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 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
A student loan was obtained from XXXX XXXX to fund my XXXX college education. The original loan amount was for {$28000.00}. We have been making larger payments to reduce the principal amount and pay the loan off as quickly as possible. Each time a payment is made and we call the XXXX number the information received is not accurate. First we were told that if the payment was more than the interest amount due any additional amount would be put toward the principal amount. We noticed that this was not happening and called back and they told us the account needs to be set up on auto payment to have the additional amount reflect in the principal. I called on XX/XX/XXXX to inquiry why the balance is not going down and XXXX stated that the extra amount is paid forward to the interest for next month. Why.the purpose of making additional payment amount is to reduce the loan. If you put the extra amount toward the next months interest, you will never pay the loan off. 
Regardless of the above scenarios different things have happened with the payments. It is truly very inconsistent. For example ; On XX/XX/XXXX the payment amount that was due is {$270.00} which was paid. An additional payment was made for {$2000.00} the next business day. {$150.00} was held for interest and {$1800.00} was applied to the principal. ( The account was not on auto payment ) On XX/XX/XXXX a payment for {$300.00} was made. The accrued interest was {$160.00} ; the difference of {$130.00} was added to the principal. ( The account was not on auto payment ) On XX/XX/XXXX the accrued interest was {$220.00}. A payment of {$300.00} was made and nothing was applied to the principal balance. 
On XX/XX/XXXX the accrued interest was paid and the remaining amount went to the principal amount. 
My goal is to pay back my student loan but the inaccurate and inconsistent way that the loan is handled does not make sense mathematically nor is their reason for how the payments are applied. I have called XXXX XXXX customer service area about every other month to discuss the discrepancies in the account. The phone representatives truly do not understand the complexity of the account and the manager NEVER takes the call. The associate on the phone is asking questions and then relaying the message. You will never get an accurate answer. It is really disappointing that a company can practice this type of behavior which ultimately affects the lives of people. Shame on you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have paid off 3 vehicle loans ; and credit reporting discrepancies have been corrected but my Credit Score has not improved. When my XXXX XXXX XXXX XXXX XXXX erroneously reported a 30 day delinquency ; my credit score decreased by 35 points. After disputing and getting it updated and corrected my score has not recovered the 35 point decrease, nor has it received an 35 point increase for the account being a year with on time payments and after 12 on time payments being paid off. The credit score explanation says I have serious delinquencies, when I have no delinquencies were inaccurate and have been corrected but this comment remains on my credit score and credit report.

My XXXX XXXX XXXX Vehicle Loan was paid off on XX/XX/XXXXand there was no increase in my Credit Score.

Additionally, my XXXX XXXX XXXX XXXX Account was paid off and inaccurately flagged and reported as a delinquency. Immediately my credit score decreased. XX/XX/XXXX, it was corrected, that the loan never had late payments. After disputing the information ; and the discrepancies ; the credit score explanation still shows serious delinquency and recent missed payment.

Finally, I paid off the XXXX XXXX XXXX XXXX. There has been no reflection in my Credit Score.

When viewing the Experian Whats Harming Your Score? It states Serious Deliquency and Missed Payments. Every delinquency has been inaccurate ; the creditors update the credit report, but my Credit Score, FICO Score and comments have not been updated.

Based on my accurace payment history, I should be in the Good Range 670-739. The inaccurate reporting has caused subprime rates ; higher interest rates ; higher payments and it based on erroneous information that has since been corrected but my score does not the corrections.

I have included the documents/responses from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2017 an employee of Chase called from their fraud unit called to alert me to fraud on my two Chase credit cards. They advised that they would close down both of the accounts and replace them. My purse had been stolen and fraud not only happened on the two chase accounts but my XXXX XXXX credit card as well. I was told that I was not liable for the balances. One balance was wiped out but the account that had no balance had a {$2500.00} balance a few days later. XXXX XXXX  wiped out my balance. Someone had opened a XXXX XXXX   account in my name and transferred funds from my credits cards through the XXXXXXXX XXXX account. The person who called me said they would send me a packet in a blue envelope to complete. It never arrived. I called the fraud unit and spoke to very rude woman who told me I was lying and that I owed the money. They said they completed their investigation and they would do nothing more. They continue to bill me under a southwest chase credit card and I feel forced to pay it monthly or have my credit ruined. I asked them to provide proof that I owe the {$2500.00} and they will not comply. The credit cad number is XXXX XXXX XXXX XXXX. Despite their actions I still have a good fico score. I m not in a position to continue to pay this and need assistance. This is so unfair.

Company response to consumer: Closed with explanation