vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: TX

Complaint narrative:
In XXXX or XXXX I consolidated with my then husband during that small window when consolidation was, unfortunately, allowed. A year ago I divorced him because of XXXX XXXX. I also have a protective order stating that he's not even supposed to know where we're located. He was ordered in the divorce decree to pay that student loan. I understand that I signed the paperwork and that I'm also responsible for it. I'm in the process of working with legal aid to take him back to court to show he isn't paying. I have contacted Navient on numerous times trying to explain my situation so that I could personally apply for Income Based Repayment and they just tell me I have to have his consent and I must contact him. I have sent them copies of the protective order. The loan is getting ready to go into default which could also cause me to lose my XXXX XXXX and thus lose my only source of income for me and my children. I'm trying to take care of my responsibilities but Navient  will not even talk to me without me talking to him first ... .which is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
Once again, Ocwen Loan has changed its rates for collecting fees and monthly mortgage payments, now raising the fee to {$7.00} for paying online directly from my bank account. 
This fee was imposed when they transferred my mortgage to another of their companies within their possession. 
They change over also disrupted all of my payments, records and more so that I no longer have addresses, online contacts and much more. 

In order to sign up for their 'new ' loan collection, I must submit my social security # and much more to a service in XXXX . 

Their practices are insuring that I will be late with payments, and have to pay service charges, late fees and additional interest. 
I can not get any information form them directly and am blocked from my previous account information and history. 

This continues to be a constant issue with OCWEN - now XXXX - now XXXX. 
( Honestly, would you give your SS # to XXXX? ) Impossible to find a contact to help through their myriad of sites, although 'help ' symbols are there, as noted in screenshots below. 





" The servicing of this mortgage account has been transferred to XXXX XXXX  XXXX, now an affiliate of Ocwen. 

The account number will change to # #. The relationship manager may change and will reach out within 30 days of the account transfer. If you are enrolled in Paperless Statements, your paperless settings will not change. For details and instructions about how to login at XXXX XX/XX/2019, please refer to the Notice of Service Transfer letter or call XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Sayer Law Group, P.C.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( SAYER LAW GROUP, PC ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and the police. I'm dong this on my own behalf. There are still items on my credit that are not mine. 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 non-monetary relief
Consumer complaint received 2019-05-14 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: TX

Complaint narrative:
Equifax and XXXX  are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to dispute a XXXX XXXX collection account that appears on my credit report in the amount of XXXX. I am not aware of this account or company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
Our original mortgage company was XXXX XXXX XXXX  XXXX. Which has apparently been transferred to Citizens One Home Loans on XX/XX/2019. When we took out the mortgage with XXXX, they appraised our property for a certain amount. We wanted to refinance and sent our information to Citizens One Home Loans, the loan officer gave us positive feedback and requested another appraisal, which we had to pay for. When the appraiser came to the property I showed him the XXXX appraisal and he set about his business. 
When our loan request was denied we found out that this appraiser only appraised part of the property. Of course resulting in the denial. 
So I contacted him personally and he told me that Citizens One had told him to only appraise part of the property. 
That being said, I feel we were unfairly represented in our request and duped into Paying for an unjust appraisal. 
We are now unable to talk to the loan officer ( no return calls ) therefore unable to resolve this highly unfair and frustrating matter. XX/XX/2019 2019

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible  to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
This company XXXX XXXX, XXXX which I have No Contract is a third party agency that has sent fictitious documents stating that I owe them an amount to my place of employment and originally an old address which I never received. Nothing was ever sent to me certified mail nor registered mail to my correct address. Furthermore, this company is actually an attorney posing as a third party collection company. Which is in violation of 15 U.S. Code 1692e. False or misleading representations. Ive sent them a validation of debt by registered mail which I havent gotten a response back yet.

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 2019-05-14 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: GA

Complaint narrative:
Experian requires documentation to be mailed to them to unfreeze my credit report because I can not find the original code number I was given several years ago. They claim they will unfreeze the report within 3 days after receiving documents ( that could be 5 or 6 days ). Why can't they accept a scan of the documents by email to speed up the process? That seems safer than mailing which can easily be stolen. Many financial companies use a series of questions that only the consumer would be able to answer to verify identity. Experian seems to operate with rules that are convenient for them, not for the consumer, and not as fraud proof as they think. 
I am relying on CFPB to force them to upgrade to smarter, safer, more consumer friendly rules.

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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank has denied a credit card application. Repeatedly ; CitiBank has falsely accused me of having filed bankruptcy 26 years ago and having unpaid accounts to CitiBank! I have neither filed bankruptcy nor have any unpaid CitiBank accounts, ever! In fact ; I have a CitiBank Costco Visa and A Sears CitiBank Master Card. Currently ; I have been approved for a house purchase and have over a dozen credit cards for the purpose of making around {$4000.00} in rewards! CitiBank has sent me two letters and have had two heated conversations with CitiBank so called Executive XXXX XXXX and is adamant that her false records are mine! In fact ; she expects me to do her job and investigate what she is talking about. However ; she fails to provide any detail information, other than hear say. Yet ; she uses such information to tell me that I have bad records! It seems to me that XXXX is discriminating on me and also thinks she know more about me than me. In addition ; I have 100 % record of making payments on time and have a score rated as excellent, 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 2019-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
******BELOW IS THE TEXT FROM MY LETTER PREVIOUSLY WRITTEN AND MAILED TO THE FTC . MY ISSUES RELATED TO INQUIRY REMOVAL LLC HAE BEEN RESOLVED BUT I HAVE YET TO RESOLVE MY ISSUES WITH BANK OF AMERICA. ***** *****I was given something called a TRMS # from BOA on how to track the complaint I filed with them. Its a case number for victims of scams claims. ( XXXX ) ... The business bank account that scammed me was Routing # XXXX Checking XXXX  XXXX and the name on the account in XXXX XXXX ( XX/XX/XXXX Federal Trade Commission Attn : Consumer Complaint Dept. 
XXXX XXXX XXXX Washington, DC XXXX Dear Federal Trade Commission, I am writing a letter to explain the series of events that have effected me and my business and business accounts. 
I was recently a victim of two scams. Both occurring at the same time of the year, one initiating in early XXXX I believe and the other was a back up service which also ended up turning south. 
I paid one company {$2200.00} through a Bank of America business bank account who turned out not to be a real business at all, and I paid another company shortly who seemed more trusted than the previous, to do the job I needed done but not only did they not do the job, but collected {$600.00} in payment and has been promising me a rightfully owed refund since XX/XX/XXXX, and still is until today. 
I am looking to retrieve my {$600.00} from XXXX XXXX XXXX and my {$2200.00} I deposited into a business bank account with Bank of America. 
I received a referral from a loan lender to a credit repair specialist that was supposed to be trusted but turned out to be fraud. The credit repair person was in fact someone who had managed to somehow open a Bank Of America business account in another state where my payment for services had been deposited. 
I filed a police report, and my investigation had been conducted by a detective here in XXXX, MA. XXXX XXXX had been in touch with BOA and had subpoenaed the records of my deposits and the imposters withdrawals of the funds. The detective also had managed to track down the person by contacting a detective in another state who had suspects detained relating to the same business account. 
Bank of America has been difficult throughout the entire process, and I have not had any luck retrieving any of my funds deposited into one of their business bank accounts. 
Please help, I have provided all my documentation from start to finish throughout this entire process with both companies and I expect a phone call or email in return on how the FTC can help me with retrieving my funds back from Bank Of America and XXXX XXXX XXXX. 
Sincerely yours, 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 2019-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Money was sent to a Joint Navy Federal savings account in error by the United States Department of Veterans Affairs educational finance Department. By the time tracers came back and verified that my name was on the account that my money was sent to in error to this joint account the money was gone and could not be recovered in the amounts of {$93.00}, {$140.00}, {$180.00}. The Va submitted a ACH reclamation letter to the Navy Federal Credit Union ACH department and did not get a response as fas as information requested to recover the funds if they were not available from any other accounts from persons named on the joint account, or information for names on the account so that the va could send correspondence to the other individual on the account to repay the debt. I am now forced to act on civil litigation with the other individual on the account and do not know if there was any violation of my own privacy before and during all of this done by the other individual. I would like the federal credit union to comply with the Department of Veterans Affairs in retrieving the money in the amounts above and to have the bank contact the individual as requested by the VA to retrieve the information requested and help the Department of Veterans Affairs finish in recovery of the money deposited in error thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I do not owe for this account this was an account maybe owed by someone else other than my self. I have not authorized this account and services were never rendered to me. Its a medical bill sent to collections that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: MO

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: NY

Complaint narrative:
I Have been a victim of identity theft.

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 2019-05-14 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: I.Q. DATA INTERNATIONAL, INC.
State: DE

Complaint narrative:
This involves XXXX  credit bureau and the furnisher : IQ Data International who are providing knowingly incorrect information on my credit file and XXXX refuse to remove it even though proof was provided. IQ Data claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the XXXX ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to IQ Data International XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, IQ Data still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to XXXX  on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not XXXX!!!! Both are illegally falsifying the debt on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have XXXX USD in form of International money order, issued by XXXX XXXX XXXX XXXX, ( copy of the first and the last cheque attached ) I send some of the Cheques for collection, ( through my bank account ) part has been collected, Two returned refer to maker, and two returned counterfeit. 
I can not understand, the cheques are in a cerial numbers means started from XXXX ended in XXXX ( 500 cheques x XXXX USD = XXXX, the second group started XXXX ended XXXX ( 500 cheques x XXXX USD  = XXXX USD  ), of course I have to pay the fees of the returned cheques to my bank. 
What will happen if I send all the cheques for collection. and what shall I do, and who is the maker I have to refer to?

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 2019-05-14 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX & midland funding dont match. photos attached XXXX XXXX  -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX midland funding got collections XX/XX/XXXX why long wait from XXXX XXXX  to midland? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: MO

Complaint narrative:
XXXX and Experian are reporting an incorrect coding of the XXXX XXXX partial account number XXXX****. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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