vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, Experian, and XXXX   ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company ( Portfolio Recovery Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a letter of sale from Mr cooper Mortgage Company to XXXX XXXX XXXX. The letter is dated XX/XX/2019 ans I am to be given 15 days notice under RESPA. 

The problem I am having is that Mr. Cooper was on XX/XX/2019 supposed to do a Escrow analysis to establish to following years payment. I can only see the amount online as to the amount put in escrow which is XXXX along with any future payments into the account of XXXX for XXXX and XXXX. The problem with this is my taxes of XXXX are due in XX/XX/2019 as they are paid bi-annually. I have no idea of the status of the escrow or any shortages on this account before the transfer to a company known to not even pay taxes or evaluate escrow. 

I have to re-finance the house and can not get the correct data during the transfer and it will be up to 60 days until I can get this loan out of the predatory hands of XXXX. 

My request is simple that Mr. Cooper provide in writing an escrow analysis as of date of transfer oer even put something in writing on the account so I can refinance. They refused my request twice when I called saying since they sold the loan they didnt bother to establish my escrow dollar amount before transfer for me under 12 USC 2605 and although they may be exempt under the 15 day rule, they were supposed to run the escrow at the beginning of XXXX as I had spoken to Mr Cooper twice in XXXX about paying extra into the account. Either they knew at the beggining of XXXX the account was going to transfer or were behind on informing me of my escrow under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: WA

Complaint narrative:
I tried to remove my security freeze recently via their site page but instead received the following attached screenshot. This has never happened in the past and as I'm currently busy with other things, it's extremely inconvenient that I have to send in this request via mail when before they had already obtained all the information needed for my digital authorization. This has caused monetary damages on my end since now one out of the three credit bureaus isn't releasing my credit score. I will not be renewing their security freeze service going forward. I've also tried calling and seeing if I could talk to a representative but their abysmal phone prompt system led me nowhere and the fact that there was no chat service present wasted even more of my time. Please learn from my experience and don't use experian for their shoddy design and nonexistent service.

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 2019-10-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: CA

Complaint narrative:
On XX/XX/2019 I sent a certified letter ( XXXX ) to Experian for a re-investigation on accounts that were previously disputed. The letter was then received by Experian on XX/XX/2019 at XXXXper USPS tracking. The letter clearly stated the following information. 

I then received a response from Experian on XX/XX/2019 stating they were not going to re-investigate the accounts unless I submitted documentation to support my claim as they were deemed as " accurate & verified ''. 

Experian refuses to delete/correct blatant INACCURATE information directly pulled from their report. 

Please see attached letter that was sent outlining each account with their respective violations ( FDCPA ) & blatant inaccuracies. 

FCRA states its the sole responsibility & burden of each credit bureau to conduct a proper legal investigation. Also that the information reporting is 100 % accurate & verified or needs to be removed immediate.

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 2019-10-29 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:
There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}

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 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAvient is profiting off consumers in Bankruptcy. Navient locked out both myself the cosigner and my daughter the signer since my spouse and I filed ChapterXXXX in 2015. Navient refused to accept payment requests. Navient has applied capitalized interest in over 30k now that the ChapterXXXX is discharged. My daughter had made payments up until being locked out, she is currently looking for work and on unemployment. My husband is a XXXX military veteran and I'm XXXX. We are using our home equity, our only savings for our elderly years to pay this off since the amount continues to grow at a rate greater than any investment. Navient has refused to reduce the mount. Our attny advised us through out the Bankruptcy that Navient was suppose to work with us but Navient never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX My loan # XXXX was transferred ( sold ) to Loan Care and the customer service is terrible. The mortgage was transferred from XXXX after they went bankrupt. I still haven't received any papers in the mail from Loan Care on time, No received Welcome letter after mortgage is sold to them. If you need info about mortgage payment escrow and ask to speak whit Manager that will be not happen. I call few times and ask representatives that I prefer to speak whit manager because they never give me answer on my question or problems I have whit Loan Care. All times I call representatives promise that Manager will call me next day. HoweverManger never calls me yet. Probably this company does not have manager. XX/XX/2019 I receive letter starting that I need to pay two payments in one monthWhy According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out of any reason. Refuse to send me letter two weeks before my payment is due. Out of any reason they send letter one or two days before payment is due. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue I believe that Loan Care break the law. I am very disappointment and I will ask Government and FHA to provide me another mortgage company I do not want to be customer on this company any more. I will contact to NJ Division of consumer affair, Attorneys General FCC I do not want to be consumer on this worst company. This company breaks the law. I need help to get out from Loan Care. 

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 2019-10-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mad a reservation for the XXXX XXXX XXXX XXXX. The reservation was made in advance and posted to my JPMCB card on XX/XX/XXXX for {$830.00} for a 3 day weekend in XXXX ( XXXX / XX/XX/XXXX ). However, when I arrived my prepaid accommodations were not available. Hotel was sold out. Room shown was unacceptable and I have pictures. We needed to find accommodations in another City as XXXX NJ was sold out being Peak season in XXXX. I booked another hotel with the help of XXXX an hour away in XXXX XXXX. On the way to XXXX XXXX I stopped for gas and used my JPMCB credit card for the gas purchase. I further paid for the new hotel accommodations at XXXX in XXXX XXXX on my JPMCB card. However, JPMCB would not relieve me of my obligation to a hotel that I did not stay at and has caused damage to my credit account instead of taking this matter to an arbitrator where I could prove that my family was in XXXX XXXX not XXXX. 
I am seeking to have this delinquent charge placed incorrectly by JPMCB expunged from my credit report. I have documents to support my case and have attempted unsuccessfully to resolve this matter this Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wfie and I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I FILED ONLINE DISPUTE THRU XXXX XXXX ON PORTFOLIO RECOVERY ( PA ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX XXXX NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A XXXX XXXX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX  SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( PA ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In summer 2018 I attempted to go into forbearance on my loans because I was moving 500 miles away to get a better job and make a career move post-XXXX school. I knew that moving would be expensive. 

Navient rejected my request on account that I had already used my allotted forbearance period and that I must begin paying my debts in full. I was financially unable to do so as I spent my savings making the move to a new place. 

I was extremely overwhelmed because Sallie Mae was also calling me about their private loans and repaying them. Neither company provided me an option of a reduced payment plan or anything to assist me in maintaining my credit score. After a few months, Navient struck my credit score for each and every individual loan ( 11 ), which accounted for over 30 missed payments per my credit score. 

I reached out to Navient again and finally was offered the IDR. I gladly accepted and enrolled in auto-pay to ensure no further complications although I am still recovering from the many missed payments. That said, my loan is increasing exponentially to the point that I can not keep up. Every time I look, my loan amount increases despite my payments. 

I faxed Navient a request to remove the missed payments on my credit score but was not responded to. This instance has caused me to struggle through vehicle payments and obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wfie and I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.

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 2019-10-29 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: NC

Complaint narrative:
On XX/XX/XXXX, my wfie and I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.

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 2019-10-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: VT

Complaint narrative:
Sallie Mae has contacted many estranged family members/ friends after being told to stop contacting them. They have called various members 12+ times within the past 60days with the most recent time being today ( XX/XX/29 ). They are contacting my husband and I 8 times a day even after we have told them to stop. I tried to resolve the account and bring it current and they were not willing to try and work with me unless I had full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation