vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX

Complaint narrative:
Two VA mortgages were refinanced in late XX/XX/XXXX and assumed by Franklin American Mortgage company ( FAMC ). After 11 months of existence, FAMC has mismanaged the loans in their entirety, with focus on the XXXX property identified below. They have failed repeatedly to properly establish and make legally obligated payments from Escrow per the RESPA. Further, since XX/XX/XXXX they have deliberately caused delays in payment processing to create opportunities to file fraudulent and negative credit reporting information. For the past two months, they have credited payments toward another account ( XX/XX/XXXX per below ) in further attempts to cause delays in loan payment processing. The primary loan in question is for a rental property located at XXXX XXXX XXXX ( XXXX ). The second loan is for my homestead at XXXX XXXX XXXX XXXX ( XXXX ). All payments are sent directly from my bank to FAMC, well within the monthly grace period, and with proper identifying account information. However FAMC continues to credit payments for the XXXX property to the XXXX XXXX property with the latest violation on XX/XX/XXXX. Bottom line, FAMC has mismanaged this loan every month in one manner or another since its inception inXX/XX/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 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
I notice that my payment that I submitted to Discover Card on   XXXX   XXXX  , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time (   XXXX   Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Supposedly this is for a   XXXX   XXXX   card debt of {$50.00} from five years ago.
# on my caller id was :  XXXX  Person I spoke with IDd himself as :   XXXX   XXXX   The address he gave to his office is ( written dispute ) :   XXXX   XXXX   XXXX  ,  XXXX , VA  XXXX  He refused a verbal cease. He also demanded the reason why I disputed the balance other than I dispute. I told him I disputed the balance and to send validation. He denied to do so stating I need to make a written request to the above address.
He denied a cease request by phone and told me I had to do so by written request to another address. I refused to take it explaining I do not have to make a written request for their company to cease calling me. He kept stating that he was only trying to help me and asked me to take down a different address to cease. I declined, and told him I know my rights and I do not have to make a written request to your company to cease, and any further attempts to contact me will be harassment and a minimum 1k fine. I ended the call.
I asked him on numerous times if the call was recorded, and he stated it was. ( doubtful in my opinion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: FL

Complaint narrative:
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
To Who m it may concern, We applied a loan modification with Ditech last year and we 've been paying on time from  XX/XX/XXXX  -    XX/XX/XXXX ( 3 month s trial ) then we got approved and started paying the regular mortgage  from  XX/XX/XXXX  - current. Since then DITEC H ( Lender/Mortgage ) is not rep orting our payments and not updating our accounts to current. We 've been calling them and asking many many times to get it fix because they 're also reporting us to credit bu reau that we 're behind 5 months payments. The only answer that they can give us is we have to wait 2 weeks and they  will call us. It 's been 6 months now and they have never been updated our account and they are still negatively reporting to our credit. I found out that many others having the same exact issues like mine with DITECH. There are past and current class act lawsuits against them and I want to participate. Please help us, all we want is to bring our account current and stop them reporting negative to our credit bureaus. Please you can call me at  XXXX  and my name is  XXXX   XXXX  DITECH Account number  XXXX

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  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 2017-08-04 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: FL

Complaint narrative:
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.

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 2017-08-04 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: FL

Complaint narrative:
I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.

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 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
XXXX   XXXX  , 2017,  {$310.00}. In my contract that I sign with  XXXX   XXXX   XXXX  money. There is a clause that said that I can call and get extension date. There was no limit on how many. Well today, I call and inform the person that I need an extension for  my  XX/XX/XXXX payment. She told that I can not have one and I would have to wait 6 month. I ask her where is that in my contract becaus e I have never been told that and I have ask for several and she was the  1st in 4 years that  said that. She could not show me that in my contract. So I told her that I have lived up to my end of the contract now she is refusing to live up to  Ford  agreement. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

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 2017-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed

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 2017-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: DC

Complaint narrative:
I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.

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 2017-08-04 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: DE

Complaint narrative:
I do not have the dates off hand because it happened over 2 years ago, but after reading the following forbes article, I can definitely state that I was a victim of at least 4 of the 6 common complaints that were being made about Navient. XXXX XXXX XXXX XXXX XXXX 1. created obstacles to repayment by providing bad information ; - Almost every 2-3 months for over at least 2 years, I was provided applications to submit for income-driven repayment plans that I would fill out and re-submit and A ) was told they never received and B ) was told was the wrong form. Each call ended up in a forbearance with interest accrued. The total cost of my loan has gone up dramatically since. Needless, to say it was an endless cycle of torment.
2. processed payments incorrectly ; - Upon finally agreeing to begin making the monthly payments, I was given on three different occasions 3 different addresses to send the payments to, which subsequently caused a return of payment to my bank, and delay in paying off actual student loan. This took over 3 months to get resolved.
- failed to act when borrowers complained ; - I asked on dozens of occasions to receive my payment or any correspondence via post-office mail and not e-mail as it was not reliable for ensuring that I was receiving my applications for refinancing / monthly payment adjustments / statements, and until today, have not received a single letter via standard post office mail.
- illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; - My original federal student loan amounted to only XXXX and I had under 3 % interest and it was highly recommended that I consolidate everything and go to a private vendor to simplify everything ... .I now have an interest rate of 6.5 % on my student loan with a monthly payment of over {$1300.00} now and a total loan of over 100k. I feel that I was GROSSLY cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I received a collection notice from Collection Information Bureau Inc for a service that I did not receive at a Hospital I have never been to. I tried to contact the Creditor ( XXXX XXXX XXXX ) but there is no number to be found. I called my insurance company and they have no record of it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I get calls ev eryday 6 or more tim es a day they start at  XXXX  until  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: GA

Complaint narrative:
Not given feasiable options and icrease loan amount without assistance to consolidate or adjust crippling payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: GA

Complaint narrative:
My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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 2017-08-04 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE ASKED EQUIFAX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. EQUIFAX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report is inaccurate, I have tried numerous to contact XXXX, Equifax, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: GA

Complaint narrative:
My credit report is inaccurate, I have tried numerous to contact XXXX, XXXX, and Experian to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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