vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX   XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. 

As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. 

Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. 

This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX   is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/2018 I sent a letter asking XXXX XXXX XXXX to verify debt and they refuse to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/18 ... I'm running low on funds.. Trying to apply for payday loan, states my bank is blocking my financial records, have called and to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
XX/XX/18 My payment was due Saturday, XX/XX/XXXX. I was unable to make my payment that day due to out of town camping. Sunday and Monday ( XXXX XXXX Holiday ) business was closed. A close friend of mine received a phone call XX/XX/18 from XXXX XXXX/Security Finace, stating I was behind on my loan giving out my information and details about my loan, technically after being only 1 day late! This is not the first time they have given out my loan information to a person over the phone. When I called, the lady was very rude and started making threats over a payment that was 1 business day late!

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
XX/XX/XXXX {$14.00} sign up fee and {$64.00} 1st months fee. XX/XX/XXXX {$89.00} monthly fee and {$19.00} late fee. XX/XX/XXXX {$89.00} monthly fee. Those were fees to dispute and resolve a claim on my account. But for 3 months the status on my account read 0 claims resolved. Them claim was {$1000.00} and i felt as if they're not doing anything to resolve the claim because everytime i contact them i get the same response. We wrote them and we're waiting to hear back. I felt in 3 months they should have heard back from whoever they were waiting to hear from and that i could of paid whoever made the claim if i was going to pay them anywhere from $ 500- {$1000.00} to resolve the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXX XXXX - XX/XX/2018 Another one was from XXXX- XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXXXXXX XXXX - XX/XX/2018 Another one was from XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.

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 2018-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.

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 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I contacted Santander Consumer USA about my car loan on XX/XX/2018 to discuss a payment plan. I was denied. I explained that I was experiencing a loss of income and wanted to modify the loan. The Agent met with a supervisor and flat out denied to offer any assistance stating " there is nothing we can do '' I explained I could set up a payment for the next week but needed to look at the dates first. The agent went on to say the car was assigned and good luck. When we bought the car I was forced to purchase GAP insurance which I was told that the bank requires it. This extra monthly amount put the monthly loan higher than what I can afford. The Interest rate is excessive and I am paying XXXX per month for a car that is worth XXXX ( Owe XXXX ) thus upside down. I have been paying this loan for 3 years '' struggling '' with the payment. Santander refuses to help me and/or modify as I know is possible upon hardship circumstances which I am in. XXXX XXXX, the dealer I bought the car from spoke to me about 3 months ago and offered the same model car but a XXXX   for XXXX per month which made me believe that something is wrong. I have tried to work with the bank and am willing to continue but I am not able to continue at this current rate or without assistance. Additionally, the bank is calling almost 10 times per day which is excessive and no correspondence has ever been sent. I believe that this loan is symptomatic of excessive interest, and the fact I was forced to buy GAP really is consumer preying. I am asking for help as this situation is causing credit issues and financially burdening and stressful but Santander seems that they will not help. I know notes can be modified for good cause yet they refuse. I am also upset that I was forced to add GAP by the bank because of the extra monthly expense. Can I please get some help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
initiated file with CFPB in XX/XX/2018. # XXXX XXXX. Received notification via email that company had responded. They have not responded to me. Why does CFPB indicate company responded and case is 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 explanation
Consumer complaint received 2018-05-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
this was paid off

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 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
we applied with amerisave mortgage corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX georgia XXXX for a refinance mortgage they were offering all kinds of discounts for 30 year fixed loan with next to no closing cost if you took higher interest rate. we had done a 15 year fixed mortgage with quicken loans that we closed on XX/XX/2018 we realized the payments were higher than we wanted. so we decided to which to 30 year loan. thats where amerisave came in. they would not except appraisal we just had done in XX/XX/XXXX with quicken loans so they ordered another appraisal in the mean time they were very picky about personal info they wanted like we had never seen before. they made us change our home owners policy the way they wanted to be with out us knowing and before we even set a closing date they contacted our insurance co. and had amerisave listed as lein holder on home owners ins. the appraisal came in at XXXX higher than it did in XX/XX/XXXX they had a problem with that and tried to have appraiser change the value of our property from XXXX to to some crazy low value XXXX the appraiser refused to do this so they canceled our loan and did not even pay appraiser the fee he earned that we paid them for.

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 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed a debt on my credit report from Portfolio Recovery Associates assignee of XXXX   XXXX. I do not recall this debt & it was removed from my credit report. I then received notice I was being sued by them. I asked for trial by jury and the jury, before I entered the jury room I was told that I could not use the fact that they have harrassing my family or bring up any cases where they have been reprimanded and ordered to fix their practices. lol ng story short the jury sided with me. Said I owed them nothing. I now have a notice from the Justice of the Peace court that my case was appeled. I feel this is a form of harassment & I am hopeful for some help. I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: FL

Complaint narrative:
In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my Equifax credit report. I immediately filed a dispute with Equifax stating the account was not mine. I was informed by Equifax that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. Equifax contacted me again to say that the collection agency still reports it is mine. I was told by Equifax to contact the collection agency because Equifax does is contact the company and the company says it is mine an that's the end of the story. I contacted XXXX, albeit reluctantly because I felt like Equifax did not do their due diligence and I am afraid of repercussions from the collection company and Equifax. At XXXX I spoke with XXXX who stated that the account was opened in XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with Equifax was over XXXX and now it is down to like XXXX. That should not be allowed especially because it is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: DE

Complaint narrative:
my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything

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