vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I received a letter dated XX/XX/2018 from this collection agency that I never did any business. I immediately responded with a letter stating that I did not have any business with the collection agency and because they are a 3rd party collector they need my permission to furnish any information on my credit as it is stated in the FDCPA. I clearly told them they DO NOT have my permission to access nor report on my credit file. I requested validation, verification, proof of contract and a certified copy of an authenticated original contract with my signature naming them as an entity entitled to enforce a commercial claim against me. I informed them that according to the FDCPA they have 15 days to provide the strict proof of contract or they must cease and desist any & all collection efforts. I am attaching a copy of the letter as proof. 

On XX/XX/2018, I received a responding letter dated XX/XX/2018 from the collection agency stating they would honor my request to cease communication and they would be terminating any further collection efforts. They then stated that they would send weekly electronic files to credit reporting agencies listing debts that are unresolved and unpaid 15 days after they begin collection efforts. They DID NOT send the requested information that was clearly listed in the verification, validation & proof of contract letter that I requested. They also did not respond with said information within the 15 days that the FDCPA allows. 

On XX/XX/2018 I responded to the collection agency stating they did not provide strict proof of contract at all, which puts them in breech of the 15 day window listed in the FDCPA. I also stated that I appreciate them for stating they would cease communication and terminate collection efforts, but they should also NOT do anything as it related to my credit files for they DO NOT have my permission. I also listed the missing information that they DID NOT verify NOR validate. I clearly stated my remedies in the event they violated my rights by reporting this unverified, unvalidated & uncertified information on my credit report. I even CC 'd the legal firm I may use in the event they go any further. This collection agency did not honor their word nor did they provide any proof ; they did send a letter to the law firm stating they intend to collect on the alleged debt. 

Yesterday, XX/XX/2018 I saw that this collection agency did file a collection report to the credit reporting agencies which clearly violates my rights and has hurt me in the process for I was attempting to get a loan. I have attached all letters that were sent to and received by the collection agency.

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 2018-07-10 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 — Investigation took more than 30 days
Company: Ditech Financial LLC
State: NC

Complaint narrative:
I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked Ditech to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
I submitted an application to XXXX on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling XXXX today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with XXXX and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. XXXX has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at 300 top score 850. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair,  good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, Equifax, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of 550 divided by bad, poor, fair, good, excellent you have 110 in between the 300 score and the 850 score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was a victim of predatory lending when in XX/XX/2005 at XXXX years old, I enrolled in the for profit school XXXX XXXX University. I was the first in my lower middle class family to attend college so, needless to say, I did not have a lot of guidance on school choice and student loans. I was on my own to figure it out. 

The schools financial aid department set me up with Sallie Mae as my lender to cover cost of tuition and room & board. Sallie Mae said I could only take out $ XXXX in federal loans and that the rest would have to be private. I barely understood what this meant, but I really wanted to go to the school so I took out the loans. They gave me, a XXXX year old, a $ XXXX loan with no co-signer and then another $ XXXX loan with a co-signer. I believe I would have been allowed to take out more in federal loans at that time as well. 

By the time I got my XXXX XXXX one year later, my larger loan was $ XXXX with a 17.75 % interest rate and the smaller loan was $ XXXX with a 13.5 % interest rate. At XXXX years old, after the 6 month grace period, I was unable to afford my $ 1000+ per month bill. Rather than steer me into an income based plan, Sallie Mae enrolled me in forbearance for the maximum amount of time. I didn't even know an income based payment plan was an option. I struggled to find work in the field so I went on to get my XXXX XXXX from a public university and further defer my payments. 

Now, a decade later, my private loans alone are at $ XXXX. I can barely afford to make interest only payments and am only seeing my balance rise. I have no credit card debt, no car debt, no mortgage. My husband and I want to start a family but even with our middle income salaries, we live pay check to pay check and have no idea how we would support dependents. I am unable to consolidate the debt because it is too high and my debt to income ratio basically prevents me from taking out a small business loan or any other type of loan. 

The income based plan Navient has me in now is not actually based on my income and never will be. In fact, every 6 months, the program requires the interest go up .5 % so I'm seeing my monthly bill increase by $ XXXX every 6 months. It's back up to a rate I can barely afford but they wont bring it down even though my income remains constant. 

I would have no issue paying a fair interest rate on the loans, but a credit card interest rate for student debt is not what I would consider fair. I believe the lender and school were working together to defraud vulnerable young students. Im working in the public sector with the hopes that at least my federal loans will one day be forgiven ( if PSLF remains in effect ), but I anticipate paying Navient exorbitant fees for life unless these lawsuits against them work out in the favor of us borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TN

Complaint narrative:
I have reached out to this company on SEVERAL occasions and no resolve the most recent was XX/XX/18. I was advised that they will send me a itemized statement. My response was that at itemized statement is NOT validation of debt. It is simply a description of what they charge for services! In addition per the FDCPA section 809 validation of debt must be provided.This collection agency also advised they are NOT the original creditor so in addition they MUST also update my credit report stating disputed by consumer or similar language WHILE trying to provide proof that I OWE THIS DEBT.This consumer is also LYING and advising they are only reporting to XXXX and XXXX but it IS ONLY listed on my XXXX   credit report because they could NOT prove the debt to XXXX and 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 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.

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 2018-07-10 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: AR

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time ) requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the  following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   XXXX Account Number : XXXX XXXX XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX XXXX Account Number : 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 2018-07-10 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 — Investigation took more than 30 days
Company: Equidata, Inc.
State: NC

Complaint narrative:
I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Have called multiple times to set up payment arrangements will not give any options for repayment or refinancing. Company has lied and said that we were eligible for a repayment plan at one time and then changed it would not let me remove my cosigner on my loan due to me being a good Financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: AR

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time )  requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX XXXX  Account Number : 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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NV

Complaint narrative:
I moved to XXXX XXXX from California, XXXX a year ago ... i just bought a home here in XXXX ... .Im a XXXX XXXX, never been outside or worked outside california . Never been arrested and had any felonies ... .Well just bought a house so I need extra income from my XXXX job and so I applied to XXXX and XXXX ... and I worked for XXXX in XXXX XXXX about two years ago, drove with no problem ... I been applying for jobs, getting turned down and before me and my wife moved here we got turned down for a few rental homes also ... thinking I was just being scamed by the rental companies taking my application fees I never thought nothing of it, but I did send off fingerprints thru the FBI criminal investigations in West Virginia ... My fingerprints came up clear, no criminal history ... but when we get to XXXX I get turned down for XXXX and XXXX ... saying I had a public record for XXXX starting in XX/XX/XXXX tili XX/XX/XXXX ... .and spent most of those years in XXXX in ( XXXX , county ... Illinois ) ... now Im a XXXX XXXX XXXX with the XXXX and california credentials also ... .how in the XXXX this is possible I BEEN LIVING AND WORKING IN XXXX XXXX AND RAISING MY KIDS, before in XX/XX/XXXX I was in high school and worked my way up from a XXXX XXXX to a XXXX XXXX with XXXX and XXXX XXXX at XXXX stores in XXXX XXXX ... ... .The background system they used which seems to have the false information is ( CHECKR ) .... ( checkr ) ... they are based out of XXXX XXXX, California , ,, they have caused me to get turned down from jobs and housing ... I need this issue to be investigated ..I don't know if this is identity theft or mis information from the company that did the background checks ... .. 

Thanks sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Prosper Marketplace, Inc.
State: DC

Complaint narrative:
I have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
We paid our state property taxes of {$1800.00} in XX/XX/XXXX per advice from our CPA, and instructed our mortgage holder, US Bank, by fax on XX/XX/XXXX to not make that payment when it was due from our escrow account. They paid the state property taxes despite our instructions, resulting in a double payment. The county would only refund the overpayment to the bank, who was then supposed to return it to us. We have been attempting to get that refund since we discovered the error on XX/XX/XXXX. Representatives from US Bank have repeatedly said by telephone that they were issuing a work order to send a check for the refund. A senior representative stated by telephone on XX/XX/XXXX that the work order was not completed properly, and promised a return call on XX/XX/XXXX. We did not receive that call. We then called again on XX/XX/XXXX, and after 45 minutes on the phone finally got a promise from the call center supervisor that she would expedite the payment and follow up with us. After numerous calls and months of attempts, we are hoping that we will finally get a refund of an amount that should never have been paid by the bank. US Bank has held our money for an extended period of time and have made no effort to resolve the situation.

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 monetary relief
Consumer complaint received 2018-07-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Card Services is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: DC

Complaint narrative:
I have a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.

Company response to consumer: Closed with non-monetary relief