vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This letter is in response a letter from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$4200.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX, XXXX this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I am in the XXXX and there is a set APR we can not go over. I am being charged XXXX in APR fees.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two inquiries on my Equifax credit report by the following companies ; 1.  XXXX XXXX XXXXXXXX. on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with Equifax and XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
We are closing on our first home XX/XX/XXXX. Today, XX/XX/XXXX, two different mortgage lenders tried to pull my equifax credit report but were unable to. After a bit of research online, others have experienced this same issue and couldn't get it fixed through equifax but could get it fixed through submitting a complaint. 
I am set up to receive an alert from turbo tax once my credit is pulled and received notifications for both instances however the creditors were unable to get a report. 
I signed up with equifax just to check to make sure I didn't have a freeze and I do not. Running out of ideas and need to get this fixed asap. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
Never received any notification of my home foreclosure. The dates that it happened I was thrown in XXXX on bogus charges. I have never been in XXXX before. Then my mail was stopped and not by me. The only forclosure I did get was from the new owners which they signed in XX/XX/2018 the letter indicating I have to be out by XX/XX/2018. The new owners indicated that if I want to stay to pack I would have to sign a lease and give them XXXX XXXX I lost my job, I tried to claim unemployment it was approved but never received any money. I tried several times to get it. I am now a victim of identity theft which I have filed a complaint. If I had XXXX I would of been paying my mortgage instead.

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 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.

I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments. 

Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.

I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have two inquiries on my XXXX credit report by the following companies ; 1. XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and Chase and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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: FL

Complaint narrative:
I have two inquiries on my XXXX credit report by the following companies ; 1.  XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: OK

Complaint narrative:
Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have one inquiry on my TransUnion credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with TransUnion and XXXX XXXXXXXX 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 2018-10-30 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: FL

Complaint narrative:
I have one inquiry on my XXXX credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mortgage calls one time when I was at work could not talk and replied back to the consumer financial protection bureau that the issue was resolved. How can an issue be resolved if you never spoke to any one. Wells Fargo Mortgage is deceptive and nothing but fraud with answers replying back as they talk or fix the issue. I'm also in the process of filing with the US Attorney office for several issues regarding my signature as not mine and other various documents altered by Wells Fargo Mortgage.

Wells fargo calls at late times as if not other XXXX tactics they use in as they call solved this issues is never going to be solved playing games and one lie after another lie.

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 2018-10-30 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: LEXISNEXIS
State: CA

Complaint narrative:
Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Please note, I have reviewed my entire account and payment history to date, and it seems Ditech have overcharged my mortgage account and made several fraudulent adjustments to my account on several occasions ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time Ditech charged me an additional {$2000.00} instead of refunding the original {$2000.00} that was supposed to be credited to my account per the letter from Ditech general counsel. 

After combing through my account several times, the balance owed to me is {$6500.00}. 

Attached are copies of all calculations supporting the balance of {$6500.00} that is owed to me, plus supporting comments of Ditech fraudulent mortgage lender practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I got a number of repeated call from IQ Data International in XXXX WA 7 times in less than 8 hrs from the number XXXX harassing none stop I finally called spoke to a XXXX a representative who I told him what was happening he said guy was new but threatened to put this on my credit report if I didnt pay I told him I need more information he said I had to pay again i told him he was harassing me and violating FDCPA he laughed I told him I would report to the attorney general he started to chuckle said good luck then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-30 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-30 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: TX

Complaint narrative:
This account is fraud, and not my account. They should be required to provide the verification to show how this account was setup! I filed a dispute that was mailed certified and received XX/XX/18 and signed for. I requested to have account XXXX with XXXX XXXXXXXX XXXX validated. Which means a copy of a contract in my name with them. I was never provided this info from Experian, and within 9 days they emailed me to tell me this account was updated. What was updated? The same exact information is there, and how and when was it validated with me? No validation was done, and this is what continues to be done. This is my credit, my life!

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 2018-10-30 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: OR

Complaint narrative:
I have been dealing with identity theft over the past couple years and Trans Union seems to be the only company that will not remove the information that I have asked them to remove multiple times now. There are multiple address 's that are 10+ years old that the person stealing my identity is using and they will not remove them from my account. There are multiple phone numbers that are not mine that they will not remove from my account. I also have a hard inquiry that the person stealing my identity opened a card in my name, I had the card deactivated and asked for the inquiry to be removed and they have not removed it. The company the inquiry is from also wrote them and asked them to remove it. No other credit company has been this difficult to work with and I am at a loss on how to remove these things from my credit file, my next step is a lawyer.

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 2018-10-30 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.

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 2018-10-30 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: AZ

Complaint narrative:
As given here as concise yet clearly as possible I am still experiencing the following : - There is as of yet no clear or guided humane help with my student loan debt situation. 

- Currently under Navient, who my student loan debt was transferred to after having XXXX ( Now XXXX XXXX ) servicing them for sometime, plus prior to them under SallieMae. 

- Worsened or led to the unfortunate current problem I have after I consolidated my debt, and whoever did the " processing '' back then accepted the variable over the constant interest rate - to make more money off of the principal and what is added ( i.e., the interest, which keeps running and accumulating to the amount owed daily, with no real relief etc. ) to such! 

- At the end if the {$150000.00} or +thereabouts forgiven/discharged/etc. will unfortunately result as brought to awareness of in at least one online reference in $ 20,000-30,000 worth of taxes that was mostly based on monies the debtor did not pocket - the bank/loan servicer did, though I and not them wind up paying for their taxes owed! Does that make sense to a " self-defeating '' aid at the end for those who just went to school or not? 

- Have this unfortunate situation as given/based as if on some type of horrible or not humane " usury-racket '' activity which goes against a true care for this situation. 

- Currently unemployed, have been mostly on forbearances/IBR plan for years yet was told by at least one reference that you could be and/or better off on PAYE and/or REPAYE and not get the problems with interest charges as Navient ( and others before ) has you on one so that they could make money off of the interest?

- Had done a previous complaint when under XXXX, which resulted in a contact with someone ( agent/etc. ) for the US Dept. of Education, who only did an audit, recalculation, etc. of my student loans though still left my situation as " same-old-same-old '' with the interest rate still running and adding to the principal with no positive aid of some type whatsoever! 

- Also have to renew my plan soon as such will be expiring within a month or so, and the other day went to their website to login and found their services down. 

- Also aid in taking are of a sister on XXXX who receives such on Social Security as I did as a XXXX XXXX to my father who was a veteran and passed away in 2012. 

Will look forward to any options, assistance, etc. that your services could render with this severe debt situation and thank you kindly again for your services!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC
State: IN

Complaint narrative:
I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.

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