vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection was deleted from my report, and was reinserted without my knowledge.

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 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: CA

Complaint narrative:
Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account was never late and is a duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian.com deceptively enrolled me for a recurring membership, that charged me over {$20.00} a month. I never knowingly signed up for it, and this has left me with a VERY bad impression of Experian 's practices. I 'm surprised this is legal.

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 monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I used rewards I had earned to pay off my balance to {$0.00}. I am now being charged with an interest charged because statement credits are not the same as payments. My balance was {$0.00}. How could I pay more?

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 monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have a loan with loancare.     They purchased my loan   XXXX   XXXX   XXXX   XXXX   My first payment was due   XXXX   XXXX   XXXX  . Which I made.     My original bank had auto-drafts set up to go to the old loan servicing company,  XXXX .     In  XXXX , an auto payment check was sent to  XXXX . They tried to cash the check and it came back returned. Mind you, they no longer own the mortgage. They turned around on   XXXX   and told  Loan Care I  had a returned check to their company.  Loan Care  too k one  of my payments, I had made to them, and sent it to  XXXX . Now,  Loancare  shows me as being behind a payment. I have argued with loancare over this matter, for 6 months. On  XXXX   XXXX   XXXX , I spoke with  XXXX   XXXX  out of the  XXXX  Florida office for loan care who after extensive research, that I had provided, agreed, that  XXXX  had received a payment that they were not entitled to receive.  XXXX   XXXX  at that point said she would get the matter resolved.      One  month later I called, and LoanCare tells me that the problem is between me and  XXXX  since I was the borrower. If I wanted to be credited I had to contact them myself and get this mess sorted out.     I asked loan care if they were reporting me as being delinquent on my mortgage and  XXXX  from  LoanCare  said, no, I have you good. My wife and I were going to get a car, and when the car dealership ran my credit report, Transunion showed me with  XXXX  negative comments from  Loancare  concerning my mortage.   XXXX   XXXX      XXXX   XXXX   and   XXXX   XXXX   XXXX       I submitted a ticket to have that information removed from my credit report on  XXXX    XXXX   XXXX  . I received an email confirmation that my request had been received and to allow up to  XXXX  business days to research and resolve the matter. Today is  XXXX    XXXX   XXXX    LoanCare ha s not resolved this issue, nor given me a decision, nor removed the derogatory remark from credit report.

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 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Santander  consumer is still reporting on my credit report as late payment and reposseion, my car was totaled out and the insurance company aid it off it was never reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I was not made aware of the fact I 'd need to reapply for the IBR plan and have therefore paid over {$400.00} more each month than I was last year. I 've begun the process of reapplying but I am unable to upload any information electronically because of Navient 's inability to process tax information and therefore can expect a minimum of another 2 months before my application is accepted. By the time all is said and done, I will have paid over {$2000.00} as a result of lack of communication, maliciousness, and/or incompetence on the part of Navient. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
clearing out of my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Van Ru Credit Corporation
State: TX

Complaint narrative:
I had a collection beacuse I have not paid to   XXXX   XXXX   and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the letter from  XXXX   XXXX , which is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost  four  times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help

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 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I was a customer of USAA for several years. I went through a divorce in  XXXX  and with the loss of income, I was unable to pay my bills in a timely manner. I had a vehicle repossessed b y USAA an d I was responsible for the remaining balance after an auction and a credit card.     Unfortunately, this is where I do n't have a lot of details such as amounts, account numbers, etc. due to moving my home twice since. These debts were moved to a collection agency. I set up a settlement agreement with them and they withdrew {$250.00} a month from my account for I believe 36 months. This was to settle both accounts although I do n't know what amounts were being allocated toward repayment of those accounts. The last payment was withdrawn in  XXXX   XXXX .     In  XXXX   XXXX  I began to receive phone calls from a collection agency regarding this same debt. I advised it had been paid. I then contacte d USAA  directly and they told me that my years of payments were NOT a settlement but only payments toward the debt. I KNOW it was a settlement agreement. It was all I could afford after my divorce and after many conversations with that collection agency, it 's what we came to an agreement on and I made every payment faithfully. I kept my side of this agreement. I have copies of the payments to prove it from my bank.      USAA  disagrees and is now reporting these balances to my credit reports as 90+ days past due with interest accruing monthly.     This entire situation is in clear violation of the fair debt collection act and I need this resolved. These accounts are paid, albeit for less than the full amount, but they are paid. I nee d USAA to  update their information and report accurately to the credit bureaus so I can continue to rebuild my life. The delinquencies from the period of time I was repaying this is accurate and will remain on my credit report for 7 years, however, the debt is settled for both  USAA a ccounts.     Please, I need the CFPB 's assistance in helping me to resolve this as attempts on my own have fallen on deaf ears.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I attempted to investigate the information with TransUnion based on some new information I found where they had failed to comply with Section  609 [ 15 USC 1681g ] o f the Fair Credit Reporting Act and since I had filed a dispute within 120 days TransUnion would not accept my online dispute. To make sure it was n't in error, I tried it from a different computer and was given the same response. They are violating my rights to have these accounts physically verified as is my right under the law.

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 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I had applied for an income driven plan and was placed into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I received an ema il from Chase Debit Card Fraud Prevention alerting me to 2 fraudulent charges on my debit card that  were made in the city of  XXXX  on the same day  ( one  for {$66.00} at  XXXX   XXXX   XXXX , the other for {$870.00} a t Best Buy  ). I calle d Chase , as directed in the email, to let them know that these were not my charges. Not only have I not been to  XXXX  in  5+  years, I also have never physically used my debit card, as any examination of my account will sho w ( m y husband is also on the account, and we only use the account to make auto-payments ).     While the {$66.00} was reversed, I am still in a dispute with  Chase about the {$870.00} charge to this day. I have been on numerous calls with supervisors in their claims department and have even conference-called the manager  at the Best Buy with a  Chase claims supervisor to try to resolve the issue. In total, between my husband and I, we have likely spent 10 hours on this disaster. Furthermore, Chase  has promised a minimum of 3 times to call me back to update me on the matter, and they never do. We just get letters saying that they are not reversing the disputed charges, despite promises of updating me.   
How could it be that they would reverse one c  harge and not the other, when they were made in the same city on the same day within hours of each other. Not to mention I called to let them know that these were not my charges! And have repeatedly called back to check on the fraud status. Also, again, as any examination of my account will show, I have never physically used the card previously. And yet I ca n't get anyone at  Chase to  help me.     The amount of time we have spent on this issue is absolutely unacceptable. It 's as if the consumer has no rights, and we are just to accept this fraudulent charge sitting down. How can that be? How can a bank as large  as Chase do   this? I am hoping filing this complaint will help me resolve the issue, so I do n't have to spend another minute fighting this ridiculous fraud and this joke of a claims department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After years of unemployment and using my life savings to stay current on home mortgage payment s Wells Fargo  sold my home to an investor named  XXXX   XXXX  in   XX/XX/XXXX   after a year of not making payments. I had applied to get government help that they said was available but was quickly denied and it was just a false  hope. I was order by a county judge to leave a home I lived in  from   XX/XX/XXXX  to  XX/XX/XXXX .  I am now  homeless  and have lots of debt. I do not drink alcohol, use illegal drugs, or smoke and never have. I suffer from   XXXX   XXXX   which I can not afford to have diagnosed and have been separated from my wife and son since  XX/XX/XXXX . I can tell that my family blames me and they offer little to no support yet they expect me to help them. I was once an adequately paid contributing member of society and was able to sustain myself and family but now I have been marginalized by society. Why did the banks get millions from taxpayers yet we the people got nothing but a help program called   XXXX  t hat is worthless as far as I am concerned. I saved for over 10 years to buy my own home. I put a 20 % down payment from over a decade of saving and that was my life 's dream/goal to own a home. These bank CEOs make millions and some have multiple homes yet I am on the streets and something just does not seem right about banks destroying the economy with bad mortgage lending yet they get rewarded while I loose everything I worked for so they can have a lavish lifestyle. In mid to late   XX/XX/XXXX   an attorney named  XXXX   XXXX  called said he had proceeds from the sell of my home of about  14 grand but I had to sign a letter not to sue the bank to get the money. I needed the money so I had no choice but t o sign the letter to pay for immediate stay at  inns and lodge   XXXX   since I am homeless.  I drive  by my former  3 bedroom/2  bath brick ranch home on occasion and it is now recently occupied after having been updated and put back on the market since I was ordered to leave. I believe it sold for  XXXX   XXXX . I kept hoping that eventually someone would come to their senses and give it back but that never happened.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   is reporting a collection from  XXXX  #  XXXX , shows the original creditor as  XXXX   XXXX   .  I have not has  XXXX   XXXX  in over  10  yrs

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 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen  Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then.   
I understand the CFPB is already pursuing Ocwen on man  y levels, I just want to join the cause!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am a victim of identity fraud. Since  XXXX   XXXX ,  Fair Collections and Outsourcing  has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client   XXXX   XXXX   XXXX  . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 )  that they do not show me as owing any balance to their company ; and  3  ) that they have not initiated any collection proceedings in order to collect any debt from me. In  XXXX   XXXX , I took all supporting documentation, including this letter, to the  XXXX   XXXX  Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the  Fair Collections and Outsourcing  agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today,  XXXX   XXXX   XXXX ,  XXXX   XXXX  told me " I will not be transferring your call to  my manager ;  your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and  XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from my credit report.

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Accounts that are not mine appear on my report. I was asked to file a police report and contact creditors. I did. Other agencies except Equifax have fixed the error. I just filed a lawsuit after exhausting all avenues via the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the   XXXX   XXXX  . In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which were  discharged  ; howeve r, Citimortgage h as continued to assert that the mortgag is a new debt and report it to  XXXX . I have disputed this account for the past 2 years with no success. Also, each time  XXXX  removes the account, it is reinserted a month later. This has caused my  credit score to  go down by  XXXX  points. I have reached out to  Citimortgage as well. They have refused to acknowledge that the mortgage was discharged  and should be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my  hope that your agency can assist in getting this cleared up and my credit score  restored to its previous number of  XXXX .   Thank you in advance.

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