vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: NY

Complaint narrative:
a debt collector named National Recovery started in XXXX to put on my XXXX  credit report a uttilty debt of {$88.00}, even though my account is current and up to date with the utillity. i have provided that info with documentation to the credit beuro, and they have not updated my reportand left that collection on it

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 2020-02-19 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: OH

Complaint narrative:
I have learned that Navient will not help you lower your monthly payments if your loans are current. Because of this, I've had to let my loans fall behind and into default in order to receive the lower payments. Each time I call, they never offer or even acknowledge Income-Based Repayment Plans ( IBR ). I have to apply for forbearance and pay a fee for the " pleasure ''. 

While I wait for " enough time '' to pass before they will assist ( causing my loans to become past-due ), I and my co-signer receive up to fifteen calls a day from Navient. This harassment happens at all hours of the day ( XXXX XXXX to XXXX XXXX ), seven days a week. 

Also, I have five student loans with them ( one for each year and a fifth one because the loan amount requested was incorrect ). Once my forbearance is approved, I am told that the payment I make is dispersed equally to each of the five loans. This usually is not the case ; they will only apply it to some of the loans, so I will be bombarded with letters and phone calls stating that I am past-due, when I am not. This past time I was in forbearance, I called to ask if I could change my due date. They assured me I could ; however, when my payment ( which is automatically paid to them and which THEY set up ) did not occur on that day, I would again receive numerous phone calls and letters until the payment was received on my new due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: GA

Complaint narrative:
I am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: GA

Complaint narrative:
I am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by 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 2020-02-19 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have been paying on my loans with Nelnet for the past 10 years on time while working at the XXXX XXXX XXXX XXXX.. I used my income to qualify for payments over the span of 10 years there was always an income requirement for the payment to be based upon.. I called once I was medically retired to see about having my balance forgiven, they now informed me that the plan I was on was not that particular plan for the balance forgiveness.. NELNET calls it the graduate payment plan, but when my income decreased I called and asked them to lower it and when it increased I called and asked them to increase or the increased it. It was always based on my income now they are saying that plan is not the income based plan.. they also stopped Sending statements because they told me that I was prepaid until XX/XX/2020. Now is XXXX and I get an email past due {$64.00} but I am pre paid until XXXX I think they are playing word games with me and thousands of other student borrowers and it is not right or fair.. I paid may loan religiously year after year income based. Now when I want to balanced forgiven, that was not the right plan.. that is not what they told me. That is not right.. I had to put my loan into forbearance for a mistake they made.. I was already prepaid until XXXX of this year..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
A company by the name of convergent outsourcing Inc . Contacted me via postal mail a few months ago saying that I owe them {$1000.00}. They claim it to be A debt from XXXX XXXX then in the very beginning of XX/XX/2020 I wrote to them asking them to validate this alleged debt. What What they sent in reply to my request by no means meets legal debt validation. All it is is a typed up document done on a computer with a list of transactions and the name and date on the top. This by no means validates this as being mine. if you do a XXXX search with my name well over 50 people come up in the US alone with the exact same name as me. So it could be anyone of those people that share the same name as I, that owe this alleged debt, but its not me that does! It scary how a debt collector can just randomly come after a person for a debt that they dont owe simply because they share the same name as the person who does. So if Im not mistaken I believe there are laws that protect consumers from this sort of thing, and thats why the debt collector has to validate with personal, identifiable information thats indisputable as to who the debt belongs to.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2020 PNC bank let a charge for {$140.00} go through on my account with no money in my account. This has caused an initial overdraft fee of   {$36.00} the next day because I did not have the funds to deposit into my account. Since then I have been getting charged overdraft fees every single day which caused a total amount as of today for {$120.00}. My account is currently overdrafted {$330.00}. I put a stop payment on two charges so that they wouldnt go through so that was {$36.00} each that was assessed to my account. I dont mind paying those two {$36.00} stop payment fees because I needed them. called to let PNC know that I dont have funds to deposit until Monday XX/XX/2020. I also asked if I can have the overdraft fees waived on my account because I cant afford to pay them that much money. I spoke with a regular rep and a supervisor and no both said that they couldnt help me. PNC is very greedy and if I didnt need it to send a XXXX payment to my landlord every month I wouldnt have this account. I really need someone to please help me any way they can to waive the overdraft fees assessed to my account due to a charge for {$140.00} that went through with a {$0.00} balance on my account. Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
After obtaining the home loan and monthly payment amount in XX/XX/XXXX, a cash plan set forth to pay every two weeks half of the monthly payment. The loan company from the first payment did not correctly disperse the loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the loan company placed three ( 3 ) to four ( 4 ) checks towards monthly payments, none to principal curtailment, then the following month only place one cash amount. The loan company then proceed to call and harass for late fees. The loan company would use the now later payments to apply for the month instead of the early payments, causing an extra two weeks of interest paid, instead of decreasing the principal. Not using the amounts accurately would lead to not recognizing the fourth curtailment within the year 's time. The company was contacted in XX/XX/XXXX when the first issue happened, and in XX/XX/XXXX, when the second issue occurred, at which time the loan company instructed that they are unable to process multiple payments a month and that the payment method needed to be changed. Each time the late fees were reversed but the loan placement was not adjusted leading to added interest being paid. The poor accounting practice of the loan company clearly shows actions slightly derail early payments and principal curtailment in favor of confusion and late fees.

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
My situation involves a time barred debt held by Cavalry Collection agency which I am being sued over. I found out about the lawsuit because I received a solicitation from an attorney explain that they could help me in the lawsuit. I had no idea there even was a lawsuit. What there was were numerous disputes from my behalf against Cavalry collection agency, all of which have been ignored and or responded yo not with the itemized charging documents or other original paperwork tied to the account as the FDCPA outlines, but rather with bills for their agency. 
The debt is old. Past the state statute of limitations. The moment I got wind of the lawsuit, I called the attorney of record for Cavalry : XXXX XXXX XXXX | Attorney at Law ( Admitted in Michigan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX I explained that the debt was past the state statute of limitations and she informed me that a payment was received in 2016 of {$20.00} dollars that restarted the statute of limitations. When I asked where the payment had come from and who had made it against the account, she replied that she did not have the information and that it didn't matter who made it. The " payment '' reset the statute. I was then informed that Cavalry was suing me for {$2000.00} dollars but if I paid {$1000.00} they would remove the debt from me and not continue with their lawsuit. I find this all preposterous and highly dubious. Very convenient that a phantom payment was recorded by an unknown individual that " doesn't matter '' which reset the statute of limitations just when it was about to age off. 
I also find it highly suspicious that while I disputed the collection numerous times, Cavalry has chosen never once to comply with the FDCPA laws and provide tangible documentation on the debt. I suppose that doesn't matter as well. 

I do not have an attorney yet, but am asking this agency to step in and mediate the matter to make sure that my rights are not being violated under federal law. Furthermore I request that my original request for validation be noted for the record as well as that cavalry filed a lawsuit against me without proper notification never once having answered by disputes. I had to find out through a solicitation from an attorney who monitors court filings of their legal action. Completely shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hi I applied for a credit card with XXXX XXXX XXXX and unfortunately I was denied due to tons of inquiries and tons of new accounts I didnt apply for and I told the supervisor that I didnt apply for those account and the inquiries and they would be removed by American Express and they wouldnt accept any letters or removing it off my file ... and I contacted America express about the inquires and they stated that they will be remove off my credit file after 90 days and but they all still there and I didnt apply for any American Express card and they are not removing them and told me they will be suppressed which is false and this is my 6th complaint Im filing with American Express I dont want there cards Im not interested and I have at least 7 inquiries with American Express on XXXX XXXX XX/XX/XXXX both of them and one inquiry on XX/XX/XXXX and one on XX/XX/XXXX that Im asking to be removed and so far American Express didnt remove these fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I am in the XXXX  program for XXXX  and XXXX  people. I have been trying to get XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX to leave me alone. Yes I was in the hospital for nine days but I gave them all of my information from my XXXX  card, my XXXX  card and I am not willing to fight with them anymore that I don't have to pay the XXXX  deductibles, co insurance and co payments. The bill is for {$1400.00} from XXXX XXXX. It has now been sent to a collection agency called Paragon Revenue Group located at XXXX XXXX XXXX Ct, XXXX, NC XXXX. There phone number is XXXX. I don't no what else to do. Please help. I really hope that this agency can fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
After a " random review of my credit standing '' my credit line was lowered and of course subsequently lowering my overall credit score. Synchrony used XXXX as  an excuse and said I had a : " LACK OF REAL ESTATE SECURED LOAN INFORMATION '' " AVERAGE TIME SINCE ACCOUNTS OPENED IS TOO RECENT '' " TOO FEW BANKCARDS WITH HIGH CREDIT LIMITS '' " AVERAGE TIME SINCE REVOLVING ACCOUNTS OPENED IS TOO REENT '' " NUMBER OF INQUIRIES WAS A FACTOR IN DETERMINING SCORE '' All of this after first granting me a credit line and then increasing said credit line and then mailing me a letter saying my credit line has been lowered ... out of no where this decision was made. I had not asked for additional credit, applied for an additional card nor missed a payment. THE LETTER SAID " WE RECEIVE UPDATED SCORES ON A PERIODIC BASIS. '' I called them to let them know " I'll pay it off, but I'll never use their services again, PERIOD AND FULL STOP.

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 2020-02-19 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: Premier Student Loan Center
State: FL

Complaint narrative:
Good day, My name is XXXX XXXX. I had been recently enrolled in student loan repayments with Premier Student Loans ( They also go by Premiere with an " e '' student loans ), who had claimed to have taken full access to my student loan repayment plan and had set up a payment process with me. 

I had made at least 10 payments or more with them at {$40.00} a month. As well an initial " set up fee '' of over 400 $ with them. I have bank statements and correspondence to prove such. 

I had called their number recently to make last months payment only to hear the recording regarding their lawsuit, which completely shocked me. 

I am really writing this email to find out what the next steps are to retrieving my money or filing a claim against them regarding their fraudulent activities. I am pretty sure I am one of many, however, I am extremely disgruntled by this and would like to gain some understanding of next steps. 

Kindly advise. 

Best regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My family and I moved out of our apartment on or around XX/XX/XXXX. At the time we moved out, our rent was current. I had given the apartment complex 60 days notice, pursuant to my lease as I had been there since XXXX. The property had been under several different management companies, and kept shabby records. When I notified them of my move, they filed a judgment against me stating that I owed over $ 5k. I have a copy of the email that was sent on XX/XX/XXXX and the complex 's response on XX/XX/XXXX. ( see attachment ) In the 3 years, that I resided at the property I maintained a good payment record with them. 
I started receiving calls in XXXX from Fair Collections & Outsourcing. I advised them that I didn't owe the debt. They kept calling incessantly, early in the morning, and late night hours. I have disputed this on all 3 of  my credit reports but have not been successful. 
They have not demonstrated any proof that I owe the debt. 
The apartment complex kept my security deposit and filed an erroneous judgment. 
We sent our 30 day notice via email. I have the email to proove it. 
In reading reviews of the debt collector, it appears that this is how they operate. They are rude and very disrespectful. I have maintained a good credit rating, and this has impacted my ability to purchase a home. 
I have also mailed a letter requesting that the debt be validated pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
2nd Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I purchased this home in XX/XX/XXXX when I was working. I became ill and was put on a medical leave by my doctor in XXXX. I have struggled to pay my mortgage since my XXXX  went from XXXX to XXXX XXXX and my XXXX  payments went from 90 % of my pay to 60 % of my pay. I got married with the hope of some assistance but my husband moved out and refused to help. He has never made a mortgage payment. Every payment has been paid by me. I believe that SPS has looked at his income rather than mine to make the decision to refuse a modification but we never shared a bank account of money. He passed away in XX/XX/XXXX. I did not inherit anything from this man. I am not the executor, administrator or trustee of his estate. My only income is {$2400.00} a month from Social Security and my mortgage payment is {$1100.00}. Despite their refusal to modify my mortgage, I must struggle to keep my mortgage paid as I have no other place to go. I have been in my home 25 years and I am paying a mortgage on a home in a neighborhood where all of the homes are under water. Our property taxes are some of the highest in XXXX county. There are many vacancies on my block alone and many others are rented out under Section 8.  People are abandoning their properties and leaving the area. I am trying to keep my home. I am XXXX years old and buying another home is out of the question because I can't afford to. Right now, I live close to XXXX of my children if I should need help.. There are properties on my block that has been vacant for 3 years or more. It seems as if Mortgagers and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this struggle and a short sale is not an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I called synchrony bank thay told me i didnt live up to the contract and didnt pay it off in enough time, then the bank tacked on XXXX worth of intrest. I have been doing bussness withe ashley homestore in XXXX IN for years and bought 3 things frome them I have paid double and more on my bill but that wasnt good enough for the bank. 
I called XXXX where the call center is and the supervisor told me there was nothing i could do about it, i ask if i could to speek to someone that spoke english that is when i got the supervisor. That isnt right I have paid each month on or before and twice or more and still they stuck it 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