vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing has taken over my loan from   XXXX   XXXX  . The payments to them have been set up on auto-pay since day one. Almost every month I get Late Notices from the bank and harassing phone calls from them saying my payment is past due or has not been made.
I have never missed a payment on this account. Each time I call they say it has been fixed, but it happens each month. I am concerned about the harassment and the possibility that my credit may be affected by their incorrect data, and the constant late notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: WI

Complaint narrative:
I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, XXXX and XXXX are reporting late payments for months on my credit report that I was on the rehabilation program with XXXX XXXX XXXX XXXX and in fact making payments to the XXXX XXXX XXXX XXXX during months XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make payments for XXXX that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In XX/XX/XXXX myself and the XXXX XXXX XXXX XXXX changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by XX/XX/XXXX. I was under agreement from XX/XX/XXXX-XX/XX/XXXX to pay my balance in full. I completed that agreement and paid my balance in full on XX/XX/XXXX. I would like for each credit bureau Experian, XXXX  and XXXX to update my payment history with the accurate info showing my account was in fact being paid for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And for the months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX as well I was under agreement at this time and was told that no payments were going to be reported late because of my  agreement that I had set up with the XXXX XXXX XXXX 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 2017-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Midland Funding is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
They repeatedly call numbers that are not associated with myself and disturb ill people. It is unprofessional and disrespectful. IT NEEDS TO STOP. THEY WILL BE HELD RESPONSIBLE FOR ANY FURTHER DISTURBANCE OF THE ILL PEOPLE. When I call back they put me on hold and then the line gets disconnected. After calling numerous times I am able to reach someone and ask them to stop calling because they are disturbing ill people. Even after asking them to STOP, they still call. I do n't even know who National Credit Adjusters are and how they got the numbers they are calling and what they want!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NH

Complaint narrative:
I have an automobile loan with Westlake Financial. I have been making the regular payments, some on time and some late, it was never an issue. At approximately   XXXX   on   XXXX   XXXX  , 2017 they had   XXXX   XXXX   Repossess the vehicle. Upon leaving our property the driver of the tow truck drove approximately 40 miles in the opposite direction of the final holding location in  XXXX , NH. I know this because we have a vehicle tracking device installed. You do not need to drive west, north, east then south to get to a location that is east of where I live, unless you are trying to charge more for mileage At   XXXX   I called Westlake and was told I would have to pay the past due payments and all late fees on my account, plus the repo & storage fees in order to get the vehicle back. This amounted to {$1500.00}. They also told me I had 3 days to pay it or the vehicle would be sold.
I asked them to waive the late fees or put it on the end of the loan and was told that they could not do that, but that they could put the {$350.00} repo fees on the end, which would bring the amount to {$1200.00} which I paid on   XXXX   XXXX  , 2017. I was also told the storage fees would be {$30.00} total, but now I am being charged {$60.00} because Westlake took there time They also insisted that I give them all the same information references, proof of income and residency again. This is information that they were given less than 2 years ago at the onset of the loan.
They did not release the vehicle back to me until   XXXX   XXXX  , 2017 because they had n't scanned my information into the computer the day prior. Lame excuse.
When they applied the money to my account they put it on only payments and not late fees, storage or repo fees. They applied it towards past payments and the   XXXX   payment which was due on   XXXX   XXXX  . It covered all but {$22.00} of the   XXXX   payment, on   XXXX   XXXX   they started calling me in regards to the {$22.00} being past due. Seriously.
Then today  XXXX / XXXX /17 I received a letter in the mail from them " Notice of Intent to Sell '' which was dated on  XXXX / XXXX /17, 3 days after the vehicle was released back to me. I immediately called Westlake and was told well the letter was actually printed on  XXXX / XXXX /17 regardless what day the claim to have printed it does not matter whereas it was released on  XXXX / XXXX /17 so why print and mail the letter at all. I was told to disregard the letter by the person that answered the phone, but I am concerned They also robo call you when your payments are late. They also call at all hours of the day and night, multiple times per day on both my cell phone and home phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I made an online purchase for website service. I was unhappy with how the process was going so I asked for a refund. I did n't hear back from the merchant so I disputed the charge though Chase. After a couple of months my claim was rejected as more paper work was needed. I was able to redispute the case after sending in further paperwork. I received no updates for months and had called myself weekly. After the deadline for the merchants bank passed I received a notice that I again had lost the dispute.
From there I contacted the merchant to try to work out receiving what I paid the {$1600.00} for. They informed me that I indeed won the dispute. They also provided me with paperwork on the matter showing that I had won.
I called there bank which is  XXXX  and to my surprise  XXXX  also confirmed that I had won the dispute. They told me I needed to speak with a higher ranking team member at chase to resolve the case as there was nothing they can do because I won the case and chase needs to remove the funds from limbo and apply them to my account.
I have spoken to chase many times in the last couple of weeks but have been unsuccessful in speaking to a team member that can help.
I informed them that if a case manager could n't get back to me in a timely manner I would be reporting them to the trade commission and here I am.
Please Help!   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: AL

Complaint narrative:
I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including   XXXX   XXXX   XXXX  . I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.

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 2017-07-18 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: UT

Complaint narrative:
I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.

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 2017-07-18 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: NC

Complaint narrative:
On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continues to report delinquent payment history for an account settled with   XXXX   XXXX   despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled in  XXXX  2016 with payments made through and including   XXXX    2016. I disputed ( see attached ) this with all  XXXX  of the major credit reporting agencies as well as   XXXX   XXXX   on   XXXX   XXXX    and  XXXX  and  XXXX  corrected the error, but Experian did not.

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 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Integrity Funding Ohio, LLC
State: OH

Complaint narrative:
This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as   XXXX   XXXX  ,  XXXX ,   XXXX   XXXX  . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information

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 2017-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Leased a   XXXX   XXXX   XXXX   from a local dealership who ran the lease through Ally. Turned the car in on a pull ahead program and the day we turned it in Ally electronically took another month 's payment (   XXXX   ) out of our account. Was told we would get that payment back since we no longer were leasing that vehicle. Ally just sent me a letter saying the lease was satisfied, but when I called them to ask about the refund for the month going forward they claimed they do n't owe me anything.   XXXX    fired Ally some time ago and  XXXX  claims this is just Ally getting back at them and they have no responsibility.

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