vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Good morning, I have been working with XXXX / Carrington mortgage services since the end of XX/XX/XXXX, I was suppose to close on XX/XX/XXXX but due to XXXX lack of communication and confusion me and my wife are unable to close. They had me fly to Georgia to complete closing. They said my granddaughter could be my POA and then letter change it at the last minute. My loan officer has not been following up with me to explain this process, I have been having my Grandaughter asssit me but they have a issue with her helping and not explaining everything correctly which delayed closing and now the seller is canceling the contract and I will loose my money. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This all has too do with Equifax website ( myequifax ). I have tried too use this website since XXXX XXXX with no results. I have contacted Equifax about this problem many, many times and they don't know or care how too fix the problem. Anyhow, when I try too log in too Myequifax site, it will not allow me too log in and keeps coming up with a message that says they are temporarily unable too complete this request, please try again later. I finally had too file a complaint with XXXX  back in XXXX XXXX and still have not received any help on this issue. Now, I have the same problem with their site ( Lock & Alert ).  They finally had a guy call while I was in the hospital that left a message on the aswering machine that he was showing several errors on these websites and too call him and he could help get this corrected. Well, after many months of the same problem, I called him ( XXXX XXXX or XXXX ) on XXXX XXXX XXXX too get some answers and he said he would get back too me the same day or at least the next day and never heard a thing from him. He also suggested that I lift my freeze for good and just lock my report with the product I have with Equifax that I pay for. He says that is the same as having a freeze which is not correct.. I repeated that I need this website too work when I want too lift a freeze and I want these so called errors corrected. I even tried resetting the password even though I had the right one and it said it sent me directions too my email but never received anything in my email. I have even tried different browsers too see if the website would work but the same thing. Sorry, but I am so fed up with Equifax on this subject because they don't seem too care at all and one more problem I have is them is calling me and not being able too understand them enough because they can not speak good English.  Like I said before, I want this website ( Myequifax ) too work like it should work just in case I need too lift my freeze in the future. I do have a pin # too lift it using the automated system but want this website too work as it was intended, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: GA

Complaint narrative:
I have since received more emails and dispute info on my credit report and this continues weekly if not daily. I was told by telephone several times that what one person does to stop this and clean up the report and remove the comments I requested another one comes along and reworks it and files more disputes which overrides it. There are 61 and hundreds of emails. I don't know how to make this stop and my hope of a mortgage Experian has destroyed. I did not request any of these. 

Complaint filed XXXX Experian will not stop sending emails and opening new disputes and once all comments are removes another person in their company comes along and puts them back on. 
This has gone on for over 2 months. I have as that my original request be removed if that is too confusing for them. Delete it or something just STOP. 

What would it take to just correct the report and just STOP!

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Greenlink Financial, LLC
State: MD

Complaint narrative:
I called GreenLink Financial regarding a Flexible Personal Loan offer I received in the mail at XXXX. I was told I had conditional approval and that they need it to go over some information. I was transferred to the person named XXXX. He took my personal information and said that they will do soft credit check and will call me with approval in an hour. He asked for last 4 digits of my SS #. The call back never happened. XXXX gave me his direct number and told me he will call me within the hour. I was asked if I give him an approval to for a soft credit check. I tried to call back at his direct phone number at ( XXXX ) XXXX but the phone doesn't work. I also called the general number from the offer I received and I was unable to connect with anybody. I placed fraud check on my credit reports and locked the reports since then. I am concerned about being a victim ID theft and financial fraud. 
This appears to be a scam and fraud. 
The phone call took place on XX/XX/19 at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: MI

Complaint narrative:
I have a credit card showing on my Experian credit report ( XXXX XXXX already removed it ) stating I have a delinquent account for XXXX Credit Card. I have NEVER received a card from this company, I never activated or made a purchase for with a card from this company. I have asked for proof of any activation or charges and received nothing. They are reporting a {$300.00} charge off/delinquency for an account I never had! I asked Experian to investigate and remove and they did nothing but state it was accurate. All other credit bureaus have removed and a review of my credit report would show ALL my credit card payments are made timely and this is obviously a mistake that is causing me a HUGE problem on my credit and preventing me from getting a mortgage.

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 2019-02-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I was married, my ( ex ) husband and I consolidated our loans into a spousal consolidation. He filed for divorce XXXX  months later. Our divorce settlement ordered him to be responsible for the debt of the loan. He has failed to pay the loan and deferrred it for multiple years, without my consent. My understanding is that BOTH spouses must qualify for financial hardship. Im a XXXX  and make an income that wouldnt have qualified me. My ex either forged my signature or falsified information. Navient never contacted me to verify my income, and deferred the loan multiple times. Now, years later the interest has almost doubled the loan. My ex has stopped making payments. Ive been forced to make the payments for the last 3.5 years. We are on the income based repayment plan and the reduced payment is $ XXXX/month. Im struggling to afford this and also know its only paying the interest on the loan, which is {$160000.00}. My portion of the loan is only {$27000.00}. Im exasperated that Im held responsible for all the interest and that Navient never contacted me to verify my income. They approved the deferement without my consent. This is very wrong. I realize that Navient doesnt care about our divorce agreement. I would like to pay for my share of the student loan and not be responsible for my exes share. This isnt fair! Ive consulted with attorneys, but Id rather communicate directly with the server or government. Please let me know what I can do. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient continues to send me correspondence stating that I owe an amount that I can not pay per month. I was paying the required minimum amount. I spoke with a a customer service rep for Navient and continue to get bothersome calls from them. The rep and myself never came to an agreement for repayment then I received bills that took my payment from {$5.00} per month to {$310.00} per month. I can not afford this monthly payment amount and I fear this will go back on my credit. I have worked hard to make the monthly payments I could afford to get this off of my credit. 

When I call regarding this I am told that it is income based and This is the amount I should be able to afford based on my gross income. I am currently attending college and paying my tuition out of pocket and have a child in college and can not afford this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted credit one to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX  XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed

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 2019-02-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX  XXXX to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX  XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed

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 2019-02-26 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
To whom it may concern On XX/XX/XXXX Radius Global Solution put me in to collection for the amount of {$1700.00} Reference number XXXX This is not My bill, I spoke to XXXX XXXX XXXX in XX/XX/2018 and expanded to the lady that this is not me it was my son which has the same name XXXX XXXX XXXX XXXX D.O.B. XXXX S/S # XXXX XXXX XXXX she said that it was his bill not I received a notice form XXXX  that my Credit score went down I called Radius Global Solution and informed them of the era and filed a report # XXXX and with XXXX  Dispute Center in early XXXX report # XXXX and was told it would be removed. 
I received a letter from XXXX dispute results and nothing changed As of now there has been no correction Please help this is preventing me from acquiring a good interest loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX 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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Mortgage was transferred to Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, Ca XXXX. Mortgage payment is due XXXX of month. I sent payment by automatic transfer from my bank on the XX/XX/2019.0n XX/XX/XXXX a statement was sent saying my next payment would be due XX/XX/XXXX19 for XXXX and XXXX payments.Icalled them and they said payment was received by them on XX/XX/XXXX and to disregard letter. I complained to them that electronic transfer was received on the XXXX when I sent it and they hadnt bothered to record it until the XXXX. That same day I spoke to them I received another notice dated XX/XX/XXXX that said my mortgage was delinquent and I owed not the {$1700.00} payment but {$1800.00}. Please help. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MA

Complaint narrative:
Mohela offers a .25 % interest rate reduction if you schedule auto deductions. The problem is that they withdraw the monthly even if it is not due. By way of example, if your monthly payment is {$590.00} and due on XX/XX/XXXX, but if you make the payment in full on XX/XX/XXXX, Mohela will still automatically withdraw {$590.00} on XX/XX/XXXX despite the fact it is not currently due. This double dipping is unfair to student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Credit Plus Inc
State: KY

Complaint narrative:
I want to dispute a hard inquiry i never authorized. 

From : Institution Information Credit Plus  XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been called multiple times by XXXX XXXX  in an attempt to collect a past due balance. They have called more than 3 times in one day, and often times call from an " unknown number '' just to see if I will answer. I have also been laughed at over the phone by their most recent representative, and have been told misleading information about the balance owed and how " past due '' it is. She also stated " We will continue to call every day until this is caught up. '' The calls have been made on : XX/XX/2019 @ XXXX 4 times Wednesday, XX/XX/XXXX @ XXXX, XXXX XXXX, XXXX, XXXX, and XXXX 3 times Tuesday, XX/XX/XXXX @ XXXX, and XXXX. I have multiple records of these repeated phone calls and have been called more times than this. The most recent attempt was by far the worst. The employee laughed in my face, falsified the amount owed, falsified the payments past due, and failed to tell me who she was until midway through the conversation. The previous call on Wednesday, the employee apologized and said they would not be calling anymore because I made the payment, but then this employee calls again saying they will continue to call and that I was still 2 payments behind, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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:
I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..

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 2019-02-26 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( Ability Recovery ). Ive made an agreement with Ability to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to Ability Recovery. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being Ability stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that Ability Recovery increased the amount and not deleted it. I tried contacting Ability in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, XXXX, XXXX, and XXXX Credit Bureau informed me until Ability Recovery sent something to them the charges will not be removed. Please assist!

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 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding has been calling me dozens of times a day. They use spoofed phone numbers, with area codes from all over the country, so that it is impossible to block their calls. 

They've also obtained a private XXXX XXXX phone number of mine that they were not given permission to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently submitted a complaint, XXXX, against Wells Fargo for overcharging me for flood insurance and they just increased the amount again before the original complaint was resolved. This certainly appears to be retaliation. My mortgage payment per the original contract is {$1500.00} and they now want {$1500.00}. That is a lot more than the {$9.00} per year in the initial bill. I don't understand how they are allowed to continue in business with their well documented history of mistreating customers.

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