vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I lived in some apartments called the  XXXX  for  six  years always paid my rent on time. I am  XXXX  I have   XXXX   XXXX   called   XXXX   XXXX  . When I first moved in the apartment the lady who was first there help me fill out my paperwork. I started school 3 years after my moving in. In   XX/XX/XXXX  I did  go to school full load for Sprin g  XX/XX/XXXX  , I was on some type of Hud program my whole stay. The lady who used to help me do paperwork was no longer there so I did not know neither was it explained to me that I could or was not suppose to. A year later in   XX/XX/XXXX  the y told I was not then I got an eviction notice. Not only that but during the time in   XX/XX/XXXX  I we nt without air in  98 degre es for a week because of electrical problem they kept saying was just air unit but I knew because the lights fried. I told my Mom and she told me to call corporate in Tx. I also had a real bad  roach infestation t hat my Mom had to pay personally because of old neighbors moving out. I always paid my portion and only went full time  XXXX  semester because of stress. I am now stressed trying to make ends meat because the report is on credit and it is a heavy burden on me. I am stressed trying to work a little just to pay bills rent and eat. I think this report is conflict of interest and causing undue hardship on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have summited I complete RMA Packet to Shellpoint and have asked to postponed my sell date. they there reviewing my document as of  XXXX / XXXX / 17  and they have not postponed my sale date they are double tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
My issue is with FedLoan Servicing.     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including deployments to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from FedLoan Servicing are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
The abbreviati  on Chfa is referencing Colorado Housing and Finance Authority.
I originally called CHFA o  n the  XXXX  of  XXXX  to try for th e 4th  time to get loan modified. This time was first time I was ever delinquent on the loan though as in making a payment on certain date. In my payment schedule I am ahead of where I should be until  XXXX  of  XXXX . My complaints against  Chfa  a re : 1. Chfa  has violated the requirements for a Single Point Of Contact  in Section 38-38103.1 2. Chfa  has only notified me they received my loss mitigation packets once ; when they said I was missing papers, after their phone call I did provide the missing pages for the first packet and sent them via email that same day. I sent the second packet ; with up dated information on  XXXX   XXXX , because I received a phone call from Chfa on  XXXX   XXXX , telling me if I want to keep my house I had to do this again.    3. Chfa h ave never given me any type of decision on the packets I have sent in ; not even the first packet I sent in which was on  XXXX   XXXX , in two emails, or even after I sent the missing papers they claimed.    4. When I initially called Chfa  on  XXXX   XXXX  the representative told me to pay what I could as soon as I could. I sent  XXXX  cashiers checks,  XXXX  on  XXXX   XXXX  for {$700.00} and  XXXX  on  XXXX   XXXX  for {$800.00} and they returned the second check stating that I had not sent them the mitigation packet, with an entirely new set of documents so they would be proceeding with foreclosure.     *Previous to this year I have tried to modify my mortgage at least 3 times since  XXXX .   Chfa 's representitives have stated that my loan is unconventional, I could apply for a modification but they did not have to allow it. On my loan paperwork, it states my loan is a Conventional Loan, and insured by   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  )  to report the same account for {$1.00} more than what was reported before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On  XXXX   XXXX ,  2017 , I received a letter dated  XXXX   XXXX ,  2017 , from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  attempting to collect an alleged debt which they claim I owed to Cap ital One Bank ( USA ), N.A.  The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX , 207, I sent to  XXXX    XXXX   XXXX   XXXX  , via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to  XXXX   XXXX   XXXX  ,  XXXX   .  on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 ,  XXXX   XXXX   XXXX   ,   XXXX   .  sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: NY

Complaint narrative:
Close to 9 years ago when I was on the income base repayment plan with  XXXX   XXXX   (  now Navient ), they talked be out of my best option and put me on forbearance. I was a civil service employee, had I stayed on the income-based repayment plan I would have been nearly done paying my debt. Now I have a massive debt that I have not even made a dent into. When i spoke to them about this years later, they just apologized and agreed that income based was my best option. I have also tried mailing forms that they have asked for to enroll in the plan, and they claim to not have received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp
State: CA

Complaint narrative:
Back in    2001  I had asked for repairs to be done in the apartment I was renting, after numerous attempts of asking and nothing being done I held back part of the rent to do the repairs myself. I received a eviction notice which I responded to and went to court I won the verdict because they had deposited the rest if the rent then I received court papers stating they were garnishing wages in the amount of  XXXX  for damages which there were no damages now after 15 year s Coachella valley  collections and attorney  XXXX   XXXX  filed again and now garnishing my wages in the amount of  XXXX  which they have no right to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My issue is with  XXXX   XXXX .     I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearance 's, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past years, I have experienced job loss, financial hardship, and transitioning into  XXXX   XXXX   XXXX  including   XXXX   to  XXXX   XXXX  and  XXXX . I have taken steps to ensure my financial responsibility moving forward. After finding out that my student loans were in collections a few years ago while I was in  XXXX , I quickly paid to get them out, but my credit report still shows the closed student loans with late payment statuses. These loans were transferred to  XXXX  afterwards but the old loans from  XXXX   XXXX  are still showing on my credit report. I reached out to them through disputing through the credit bureau 's and have also sent them a letter directly and received nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
This debt was removed from my  XXXX  and  XXXX  Credit Report but still reporting to my  XXXX  report. They stated the debt was n't paid however it was paid and I received a letter stating once paid they will delete off all  XXXX  major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This is not a valid account and needs to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I applied for a mortgage on  XXXX / XXXX / 17  to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX    XXXX   reported the account closed and unused to ChexSytems since    XXXX    2014    yet ChexSystems continues to report an overdrafted balance and an unclosed account from  XXXX  of  2014  and is stopping my ability to open a credit union account and pay my landlord rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
XXXX   XXXX   XXXX  has held this mortgage on my investment property for years. In  XXXX  they notified me that they were selling the loan t o Bayview Loan Servcing. The first notification from Bayview was that I was behind on my payments to the   tune of {$1500.00}. This should n't be possible because according to  XXXX   XXXX   XXXX  I was current up until  XXXX   XXXX ,   XXXX  . The loan was supposed to transfer to  Bayview  on that date and my first payment was to go to them. However,  Bayview  claims that I owe them for  XXXX ,  XXXX , and  XXXX  payments. Yesterday  XXXX / XXXX /  XXXX   I received a letter dated  XXXX / XXXX /  XXXX   that the loan was in default and that I owed them all the way back to  XXXX / XXXX /  XXXX  , a month before they took over the loan. So I calle d Bayview and they said I was 3 months behind. How could this be if Bayview only h as held the loan for a total of 38 days starting on  XXXX / XXXX /  XXXX  . Last week I verified with  XXXX   XXXX   XXXX  that I was current up to  XXXX   XXXX . Bayview claims I now owe them {$1600.00} in late fees and  Corporate Advance Balance ... .w hatever that is. I tried to call  Bayview  again today  XXXX / XXXX /  XXXX   and after waiting on hold for aprox  10 mins  they closed the office while I was on hold. I believe they are trying to take my property. A property that is a major investment in my time and money over the last 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  ) to re port the same account for {$1.00} more than what was reported before.

Company response to consumer: Closed with explanation