vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX   ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX  ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: TX

Complaint narrative:
Company calls my number several times every day, always from a different number. They demand personal information such as home address, social security ( last 4 digits ), birth dates without identifying who they are or why they are calling. Even after repeated requests that they stop calling and harrassing, they continue. 

In addition, I set up a payment plan to pay the bill in question. Immediately after making the first payment, the phone calls intensified in frequency. When I tried to make the next bill payment, my online payment was rejected. When I called to find out why, they claimed that I had the wrong creditor and gave me a new creditor 's name, claiming that they name of the company I owed the money to was the name of a doctor. 

I requested documentation of the debt under the name of a new creditor, and the manager stated that he did not have to send that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
I had a loan from a XXXX XXXX place that i paid back and somehow they reported it and sold a loan amount to a collection company only now it is twice as much. I have attempted to get the company to confirm the debt and where the charges are coming from as well as show the payment that i made but it it has not helped. Please help me as this is doing extreme damage to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, I called Citibank Customer Service and disputed a charge on my Mastercard account in the amount of {$840.00} dated XX/XX/2019. Advised them that the charge was not authorized by me and payment was not owed to the CC Merchant. 
I did not receive a written acknowledgment from Citibank and called them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received the first notice/letter from Citibank by e-mail, wrongfully asking for 'proof of payment ' for the purchase though other means. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), with copies of my e-mail correspondence with the CC Merchant disputing the charge. Citibank gave me a temporary credit of {$100.00} on XX/XX/XXXX, which they told me was a mistake, with two contradictory explanations. On XX/XX/XXXX Citibank gave me a temporary credit of {$840.00} and reversed the temporary credit of {$100.00}. On XX/XX/XXXX, Citibank debited my Mastercard account, with the amount of {$840.00} plus interest, for the reverse of the temporary credit given on XX/XX/XXXX. On XX/XX/XXXX, I received a notice/letter from Citibank dated XX/XX/XXXX, stating : - " due to the amount of time that has passed since this charge was first billed to your account, we no longer have any recourse to obtain a credit on your behalf ''. On XX/XX/XXXX, I sent a letter to Citibank ( USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), describing the events surrounding the dispute and demanding a permanent credit of {$840.00} plus interest. 
Citibank was negligent in handling my Mastercard dispute and I request the assistance of CFPB to obtain this credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I request a debt validation letter. I received an update from my credit monitoring software on XX/XX/XXXX that my credit accord was lowered. I contacted I.C. Systems Inc and asked why the date was wrong and requested a debt validation letter and he refused to send it. This was the first time learning about this companys attempt to collect a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I just came back from overseas and I realized I had a Capital One account still open and payment due. When I called originally ( XX/XX/XXXX ), I was trying to get the status of the bill/account. I asked when I needed to pay the bill by and they said the following Friday ( XX/XX/XXXX ). That's when the billing cycle was over. On Monday ( XX/XX/XXXX ), I called to make a full payment and they said it went into collections and they're not sure why/how the other representative said Friday. They told me to call back or they'll call me right back. They haven't gotten back to me and every time I've called, I get put on hold of hours or get the runaround/transferred. Customer service was absolutely horrible and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the XXXX XXXX XXXX in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is Midland Funding LLC from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I put a freeze on all 3 credit bureaus after the XXXX breach. I'm buying a camper & the lender is unable to pull a credit report from Experion. I had removed all 3 freezes but something went wrong with Experian 's. I called them today XX/XX/2019 & they ( XXXX ) stated that it was an internal error & that it would take 5 to 6 days to resolve. I asked for an expedited process. He said there wasn't one. I told him that I don't believe that for a second. I asked to talk with a Supervisor. I was told by XXXX that a supervisor was available & would be with me shortly. I was on hold for 31 minutes. The call started at XXXX XXXX. Then at 31 minutes, I was hung up on. No supervisor, no resolution, nothing. It's bad enough that we, the clients, are unable to choose a credit bureau. We are held hostage by their rules & we have no choice what so ever. So I have an issue that isn't resolved & is holding up my entire transaction because they don't have an expedited process. The other two companies have a very easy process. You open their app and click lock or unlock a freeze. That's it. Why isn't Experian held to the same standards? You can't get to thiers unless you pay a fee. Which I refuse to do since a freeze is free. So you have to go through an entirely different process with them that is no quick.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am unable to pay this loan because Navient/Salliemae is expecting me to pay over {$900.00} a month. They also stated that I used up all my Forbearance. I've been in contact with them since XX/XX/XXXX and although knowing about me and my co-signers financial/medical circumstances they keep saying that they have no programs to help make my payments flexible. 

I spoke to a supervisor on the phone and they told me to just pay what I can on the website. So I was able to pay {$50.00} on XX/XX/XXXX. However, Navient continues to use random numbers to call me expecting payments when they know that I am unable to pay over {$900.00} a month. They also have information showing that I did pay something in XX/XX/XXXX, however, they still threaten to send my account to collections. 

Here are the numbers they keep calling me with : XXXX TX, XXXX XXXX IN, XXXX When they call I know it's them because it's the only number that doesn't leave voice messages. They call me at least twice a day. When I answer and give them the same reason why I am unable to pay they push the calls out for another seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I had a credit card with XXXX XXXX, XXXX XXXX, with a credit limit of {$2000.00} and a charged off amount of approximately {$1000.00} in XXXX when I was victim to a severe car accident which gives no one the right to take advantage of false collection claims. XXXX XXXX doing business as XXXX XXXX was investigated by the FTC for deceptive and fraudulent credit card practices starting in XXXX, I reported this numerous times, yet many attempts by predentary collection agencies were made eventhough this business was shut down by the government and resolved by the DATCP, years ago. The account went into collections in XXXX and there was a judgement in XX/XX/XXXX but I had moved and not received notification of collection/court activities until XX/XX/XXXX. The credit card was shut down by the government plus time barred from XXXX or XXXX, so I am not sure what laws of statute of limitations of debt collection activities apply in this case? This debt is 13 years old and this summary of complaint is notification of the aforementioned disputed debt. I want Kohn Law offices to stop threatening me with phone calls, absurd settlement amounts, liens, and stop sending me letters regarding collection attempts. Kohn did not provide me with the details of this amount of judgement and I believe this is an illegal collection. They called at my mothers house where family members gave false information. This credit card overcharged customers, had illegal interests rates and was shut down by the government. I would like to know how companies like XXXX and Kohn can attempt to collect on an illegal credit card shut down by the FTC and time barred from 13 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/Navi showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: IL

Complaint narrative:
Around XX/XX/2008, I contacted Navient to be a part of the Public Service Loan Forgiveness since I work for a non-for-profit. Navient informed me that I was approved through them and to keep making payments and filing for Income Based Payments each year, which I did. Towards the end of my 10 years of payments, I filed the form to see how many more payments I had left and was told that I had none that qualified under the program because I never consolidated my loan, even Navient informed me that I did not need to file any other forms or do anything. I have proof of all payments made for the last 10 years and would like those payments to be counted towards the Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provides and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it 30 days prior on line and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, twice they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I no longer use their website because of this issue. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Current student loan amount ( estimated ) {$200000.00} Original principle balance ( estimated ) {$89000.00}

Company response to consumer: Closed with explanation