vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Assist
State: FL

Complaint narrative:
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: FL

Complaint narrative:
Transunion and  XXXX  has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score d rop dramatically.  XXXX   XXXX  is the collection agency and the original creditor is American homes for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.

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 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX  I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On  XXXX   XXXX  I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has reinserted the following  XXXX  accounts back onto my report with any notification. This is a strict violation of the FCRA. On  XXXX   XXXX ,  XXXX  I disputed  XXXX   XXXX   XXXX   XXXX  for reporting inaccurately. Experian removed them from my credit file as of  XXXX   XXXX ,  XXXX  and the remained removed as of  XXXX   XXXX ,  XXXX . I was reviewing my credit today  XXXX   XXXX ,  XXXX  and noticed they had been placed back on my credit this month. I have never received any notification from them about the reinsertion. I need them removed immediately or face legal action ... I 'm including all reports from  XXXX   XXXX  -  XXXX   XXXX  as proof of the reinsertion ...

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 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: MN

Complaint narrative:
Tri-State Adjustments, Inc. a Wi sconsin-based Collections company is attempting to collect on a debt that they can not confirm is owed by me. On  XXXX   XXXX ,  2017 , I sent them a letter disputing their claim and requested per FDCPA that they identify their client, and to validate this alleged debt through any and all documentation supporting their claim. I have filed this same complaint with CFPB case file number  XXXX  in which Tri-States Adjustme nt, Inc.is basically unresponsive stating they are waiting on proof that I have paid this bill. It is obvious that Tri-State Ajustment , Inc. does n't understand the law because they should know that the burden of proof that a debt is owed is upon them and not the consumer. I will also be filing formal complaints with the Wisconsin Department of Financial Institutions who regulates their license and with the Minnesota Department of Commerce in which Tri-St ate Adjustments claims they are licensed with.

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: OK

Complaint narrative:
ACCURATE performed a background check on me for clearance to enter a building owned by  XXXX , where the new  XXXX  offices will be housed. The background check indicates that I have an  AKA  of  XXXX   XXXX , which is incorrect. This name has showed up on past credit reports. Ther e may have been a likeness of social security numbers resulting in the error, or it may h ave been someone trying to obtain medical coverage or other type of identity theft.     Second, the report shoes incorrect timeframes for my residing at  XXXX  addresses. Although I did reside at those places, the time was n't for the duration shown. There were other addresses in between.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 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: Conn's, Inc.
State: TX

Complaint narrative:
My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in  XXXX   2016 . Starting in  XXXX   2016  I made  two  payments a month of {$200.00} and {$240.00}. The last payment was  XXXX   XXXX  where I paid {$650.00} the confirmation #  XXXX .     I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since  XXXX   2016 .   The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full.   No one seems to know what is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 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: LA

Complaint narrative:
Equifax is incorrectly reporting that I have been delinquent on my Child Support account. This is not true. The account number is : "  XXXX  '' I can provide a payment summary directly from the Louisiana Department  of Children and Family Services which pro ves my payments have always been received on time and I have never been past due. I do not understand why Equifax is reporting incorrect payment history for my account. This does not make sense. Equifax is also incorrectly reporting a balance of {$660.00} on my Child Support account. It should be reporting at {$0.00} because this account has been paid. I have disputed this issue with Equifax numerous times only to receive generic responses that do not address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We are processing a short sale with PNC. On  XXXX   XXXX ,  2017 , I spoke with  XXXX   XXXX  at PNC, requesting a status as to the acceptance of our short sale offer. She informed me they are submitting to Investor end of this week and they will have an answer within seven days. On  XXXX   XXXX , I called PNC and spoke to  XXXX  ID #  XXXX . She said they had sent letter out on  XXXX / XXXX /   17 sta ting they were waiting on answer from Investor and would have an answer within 30 days. On  XXXX   XXXX , I called PNC and spoke with  XXXX   XXXX   XXXX   XXXX . She said the file is active in loss mitigation, they believe they have everything they need, sent to and waiting on answer from Investor. No decision yet. Just suggested calling in weekly, or if we want, twice a week. On  XXXX   XXXX ,  2017 , I called PNC, and spoke with  XXXX  ID #  XXXX . She said still no answer from Investor. They have gone passed the 30 day window. After that, they had issued a denial based purely on no answer from Investor. They then re-opened it with Investor, trying to get an actual answer. It stays formally as denied until they get that answer. It is unacceptable for them to refuse to issue an actual decision based on the merits of the offer due to not hearing from THEIR clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a mortgage throug h QuickenLoans. I got in  touch wit h   XXXX    mortga ge representatives including representatives which were assigned to the case in the client relations department. They all claimed that there is nothing wrong with their system and that the calculations are accurate and proceed to direct me to the transaction history page on their portal.   My complaint is not about payments not posting, it is about the lender charging interest on early payment of the loan.   The lender allows payments in advance, I have sent all the payments in which would have been due the first of each month until  XXXX   XXXX , the next payment due date is  XXXX   XXXX . This is for the purpose of having some form of cash backup by not having any mortgage dues for the nex t 5 to  6 months. Now that I am 4 months ahead of payments, I began sending payments of {$2400.00} directly to the principal. Although the amount paid to the principal did reduce the principal balance and future payments, those due  XXXX   XXXX  and thereafter, will have less money going towards interest and more towards the principal, as expected, the payments however, which I made in advance prior to principal only payments were NOT affected by this extra payment towards the principal nor were they affected by the fact that the payment was sent months in advance rather than on the due date even though the lender received the money for all of these payments on  XXXX  and  XXXX .   The lender is effectively charging me interest on amounts which have already been paid towards the principal on all payments made months in advance since their system does not recalculate payments made prior to a large principal payment once a payment transaction posts even if it is several months before the payment due date. Their system treats the payments sent months in advance as if the payment was applied on the due date. The contract does not state any fees or penalties for early repayment, the contract allows early repayment, moreover, their website has a tool to calculate how much money can be saved by sending larger payments. However, that tool, similar to their payment system, only takes into account future payments and not payments submitted months prior to their due date or payments applied to the principal after having 6 months paid in advance. On their tool, if I hypothetically send {$100000.00} today it would have the same effect as if I send i t on   XXXX   XXXX   sinc e that is how far I have paid the mortgage in advance.   Please refer to the attached documents. On the second spreadsheet on the  excel file, I per form recalculations on how the mortgage amounts should have been calculated after making additional payments to the principal. The first sheet is data directly as it is given on the QuickenLoans portal and downloaded as a  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: STONELEIGH RECOVERY ASSOCIATES, LLC
State: IN

Complaint narrative:
I bought a car from  XXXX   XXXX   XXXX  and obtained a car loan, last year I struggled to keep up with the payments and the car got repossessed in    XXXX    2016   . Some time in  XXXX  a received a statement from  XXXX   XXXX  stating that they sold the vehicle and I owed them {$440.00} plus cents. Sometime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  XXXX   XXXX  {$20000.00} and some cents, so I immediately contacted  XXXX  and they said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's  DSNB /Citibank refu ses to honor a settlement they made via their collection agency,  XXXX   XXXX .   XXXX   XXXX   accepted a settlement of {$580.00} as full and final settlement on behalf of their client,  Macy 's  DSNB /Citibank  on   XXXX   XXXX   XXXX    . To this da te Macy 's ref uses to write off the difference thereby directly disregarding the settlement that was made. On multiple occasions I have contacted  Macy 's   DSNB /Citibank in which cases the rep had to m ake 3-way call s with me to   XXXX   XXXX   to confirm the account has been settled. On  XXXX  I placed a call to  Macy's/Citibank R ecovery at  XXXX  and I spoke to a rep who made  a 3-way call  with   XXXX   XXXX  . The result of this call was that   XXXX   XXXX   needed to forward documents t o Macy 's  of the settlement. I was advised to wait  1 week for  an update. This call took  49minutes  of my time. On   XXXX   I placed a call again to  Macy's/Citibank rec overy an d again  spoke to a rep who had to  3-way call to    XXXX   XXXX   because   XXXX   XXXX   had not gotten around to sendin g Macy 's DSNB/Citibank the information. I   faxed a copy of the account settled and paid letter to  Macy 's and t he rep concluded that this should be resolved by the next week. This call took 31minutes of my time. On  XXXX  I call once again and now  Macy 's DSNB/Citibank ha s no idea what I am talking about and that it is my responsibility to send them the settlement offer and letter to show that I settled the account. I advised that multiple times I had sent in the letters and multiple times I had called in to check on the status. The supervisor apparently could not be bothered to come to the phone and the rep rudely advised that they are not going to do anything until I waste more of my time getting more documents that they need from  XXXX   XXXX . I am sorry but  Macy 's DS NB/Citibank if you hire a collection agency to collect a debt for you then you need to be in control of what they are doing, you are responsible for the updating of your records and the accurate reporting of my credit file. As such they have violated multiple consumer protection laws including the FDCPA ( attempting to collect a d ebt that has been settled ), the FCRA (  reporting me late after the account has been settled ) and just overall terrible customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
contacted Experian,  XXXX  and   XXXX   from  XXXX  concerning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.  XXXX  list other people names and ssn on my credit report. The last updated report received from  XXXX  had full ssn of other people that is a violation. They mixed up files. only  XXXX  address and employer should be listed on my file. Every time you call now everyone is a supervisor at Experian and  XXXX  and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.

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 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Our  CapitalOne a ccount was charged {$12.00} on  XXXX  ,2017  for a trial offer from  XXXX  which we paid and canceled any future shipments. Then beginning  XXXX / XXXX /  XXXX   the statement was charged {$110.00} so we called  CapitalOne and was put on a 3-way conference call with a rep. n amed  XXXX  from  XXXX  who gave us cancellation confirmation numbers and we returned any products shipped, but when we got the  XXXX  statement after being told the charges were being reversed, another {$180.00} was added back, plus interest. We had written the vitamin company, spoke to supervisor s at CapitalOne and sent documentation to all and even asked CapitalOne to close out the old account and give us a new number to avoid further charges ; however, they are still adding the charges to the NEW account now! Our balance continues to increase along with the monthly payment in spite of our compliance in doing everything possible to dispute the   XXXX   offer. Our next option after complaining to the FTC and General Counsel will be to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.

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 2017-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Saturday  XXXX / XXXX / XXXX  I received an alert on my   XXXX   XXXX   about credit card limit. When I checked it out. I noticed a credit card  with Capital One o pened on  XXXX / XXXX / XXXX . I immediately filled a fraud alert 90 day initial alert to   XXXX   credit report and also ordered a credit history report from  XXXX . Afterwards I contacted the company about the credit card. I explained how I had no knowledge for this account until I received a alert from   XXXX   XXXX  . I opened a fraud case with them about the card. They assured me the account was now close and a investigation would take place and report it to the credit bureau. I provided my mailing address as well as email and phone number. When I asked for information on file for the credit crad the mailing address or number I was simply told it shows  XXXX , TX that 's it. I was informed I would be receiving a phone call and an email with information on the matter. As today  XXXX / XXXX / XXXX  I have not received a phone call. I called them back on  XXXX / XXXX / XXXX  I noticed on my   XXXX   XXXX   the account was still opened and how I have n't received a phone call or an email about the matter. I was told it was closed the person could not use the card. As far as the phone call and email no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I had a n 80/20 loan with Ocwen. I ne ed to hurry and sell my house because of losing my job and relocating to another city with my fami ly. Ocwen offered me 2 o ptions ... short sale and turn my house back over to them. I picked short sale and filled out the paperwork with them on  XXXX / XXXX /  XXXX  . I hired a realtor on  XXXX / XXXX /  XXXX  . I received a cash offer 2 days after hiring my realtor. I have the entire signed contract from our buyer to prov e it. Ocwen refused  to release my file. We lost that sale. They made us put the house up on their auction page. We did exactly what we were told to do b y Ocwen and we received another cash over on my house for the same amount. Ocwen still refused to release my file for the sale. We lost that sale also. In the meantime, Ocwen  sold my  2nd  mortgage off to  XXXX   XXXX  during all of our selling processes. My realtor got a  3rd  cash offer on the house with the new amount which only covered the first mortgage and Ocwen still would not release my file for the sell and we lost that buyer also. Our firs t 2 c ash offers were for {$100000.00} and the  3rd cas h offer was for {$85000.00}. In the end,  Ocwen fo reclosed on my house, sold it for {$74000.00} and wrecked my credit. We did everything we were told to do  by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: WA

Complaint narrative:
Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.

Company response to consumer: Closed with explanation