vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: NY

Complaint narrative:
I have been on Navient 's Rate Reduction Program for about two years. My rate was lowered from a 12.5 % $ 11.5 % and 6.5 % interest rate to 3.5 %, which provided financial relief and allowed me to stay above water. Usually, they collect my financial information to see if I qualify. The program ended, and so I called to reapply but everyone keeps telling me I do not qualify, without even so much as asking about my financial profile to see whether or not I qualify. They just immediately say I don't, without providing explanation. say I ask what else I can do because the only option is to default and they say there's nothing they can do. I have called three times, and my loans are about to default, when I have a 13 year credit history and have never had a late payment in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Initial call into XXXX XXXX XXXX in XX/XX/XXXX. Discussed I was on a consolidation plan to repay the credit card balance owed. I inquired about any late payments on my credit will being removed since I was a part of the consolidation program and making timely monthly payments. The associate at Capital One said yes, my late payments for 4 months will not show as late on my credit and will be shown as current and paid on time after I have paid for 4 consecutive months. She said they needed 4 months of consistent payments before they updated my credit report. I called again in XXXX and spoke with a representative/ manager on XX/XX/XXXX, she indicated they would listen to the recording and get back to me with the results of the call. As of today XX/XX/XXXX, I have not received a response or update to the matter. It was my understanding that the late payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX would not show as late or have a negative impact on my credit but paid on time and current since they were in fact receiving timely payments. The Manager on XX/XX/XXXX said they received timely payments and she would listen to the recording and get back to me. Currently I have 4 late payments with Capital One even though they have received each payment timely each of those months. I would appreciate them correcting this on my credit report to remove the late payments and correct as paid and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
during a 7 year fight with XXXX XXXX XXXX in which they took back a valid home loan modification that I paid on I have been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now due to a fall XXXX XXXX XXXX. The Bank sold my loan after I filed a complain with the FCC and they were found guilty but they refused to correct and let me start making payments. They kept the financial balloon payment, which was XXXX and part of the modification on the loan and changed my rate to 8.75 % up from 2 %. I tried writing 10 times to the company they sold my loan to Nation Star and they would not acknowledge the service error on the file. during this time I was undergoing XXXX XXXX. I paid Nation Star 10 payments and they took them but returned the 10th payment saying I didnt meet their criteria for help. I hadnt submitted anything to them other than to tell them I was trying to get help but they had a service error on the file. I asked for help for XXXX county legal aid and XXXX XXXX said she had never seen a company behave so aggregously but i would have to pay an attorney to sue them because they had no funding at the time. I sued them and case number is XXXX. During the court case I believe around XX/XX/XXXX the Nation Star service company admitted to service error by correcting my rate to 2 % but would not allow me to start making payments again at that rate. Then I became hospitalized and judge would not allow for the fact that I was bed ridden from XXXX XXXX XXXX XXXX XXXX, so judge XXXX XXXX dismissed the case 4 months later. Now Nation Star is using my Illness through XXXX XXXX XXXX to Cut off my prescription healthcare coverage because XXXX  XXXX XXXX is my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have no debts that are in a collection status, great credit score, am not the person this company is trying to contact.

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 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.

On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.

SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.

The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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:
I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX  work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful

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 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have been making payments to Capio Partners under 2 accounts for 2 years. these are accounts XXXX & XXXX. Payment was being made through XXXX XXXX. Back in XX/XX/XXXX acct XXXX was paid in full & when I called to verify I was informed of 2 other accounts that were misscoded as bankruptcy when they realized that was an error on their part they came after me agressively & I settled those accounts & continued paying on XXXX through XXXX. That account should have paid in full this week so I attempted to verify that & was told after 6 calls to different numbers that they show no record of that account & I owe them nothing to call XXXX. XXXX shows Capio has cashed every payment sent to them even though they claim I owe them nothing since XX/XX/XXXX. Hundreds of dollars gone.no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On the morning of XX/XX/XXXX, I was contacted by someone purporting to be a representative of Bank of America. He noted there was an attempt to send a {$1000.00} wire transfer using my online account that was denied because the sender did not know my security questions. He he went on to brief me about safety tips for preventing/protecting my debit card such as going inside to purchase gas, etc. He then wanted to ensure my account was secure by reviewing my security questions with me, I received an authorization text as I normally would from Bank of America each time. So I trusted he was a legitimate Bank of America employee. I did not realize he was fraudulently withdrawing {$2500.00} from my checking account during this phone conversation. Bank of America conducted a 10 business day investigation and determined they would deny my claim to be reimbursed my funds that were stolen, as I was informed in a letter dated XX/XX/XXXX. They stated it was my fault because I gave my personal information to this thief who stole my {$2500.00} whom I thought was a Bank of America employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
see complaint number XXXX  THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page 1 XX/XX/XXXX, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/XXXX WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN.

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 2018-06-15 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:
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

Transunion and XXXX has failed to validate debts ... the accounts were indeed settled with original creditors ...

Transunion Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX Credit Protection OpenedXX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX   Accounts Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : 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 2018-06-15 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:
I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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:
I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful

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 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WV

Complaint narrative:
On XX/XX/XXXX I did a wire transfer to my brother for {$25.00}. Within 30 minutes I had to cancel the transaction. I attempted to get a refund and the employee at the XXXX XXXX XXXX # XXXX  in XXXX, WV didn't know how to do the refund and kept getting an error. I got frustrated and left and went back 3 other times attempting to get the refund from Western Union. I made many phone calls and was still unable to resolve the issue and get the refund. I then requested a refund by check on XX/XX/XXXX. On XX/XX/XXXX I was issued a letter from Western Union because the address I gave was not the same as I gave on the original transaction because my address changed. I called on XX/XX/XXXX and spoke with XXXX and was told I had to send a notarized letter indicating my address had changed and had to include a photo ID and a check would be issued and I should receive it in another two weeks. The case number I was given was XXXX. I sent the information back to Western Union on XX/XX/XXXX. I called again todayXX/XX/XXXX and demanded to know when my refund would be issued. I spoke with XXXX who gave me a run around. I asked for a supervisor and was transferred to XXXX who also gave me a runaround so I told her to transfer me to her supervisor and after being left on hold for 45 minutes I hung up. I think it's ridiculous that they quickly take your money but you spend nearly a year trying to get your money back and still have not been able to get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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:
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CA

Complaint narrative:
I have sent letters directly to Experian certified mail stating that information on my credit profile needs to be verified or deleted from my profile. They have failed to verify the info and still continues to report.

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 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX  and continue to harass me and forward my information to debt collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring service that I new collection by the name of XXXX XXXX XXXX  had reported a collection account for {$10000.00} on my XXXX and XXXX credit reports. This has caused significant damage on my credit report. The alleged original creditor is XXXX XXXX XXXX XXXX, which was a XXXX School shut down by the federal government in XX/XX/XXXX for several fraud allegations. I attended this school in XX/XX/XXXX, well over 7 years ago.

There would be no reason for me to owe this money to this defunct school, and even if I did it would be over 7 years old and therefore unable to credit report anymore. Either way, any way you look at it, this credit reporting of this purported debt is invalid and a blatant attempt to extort me out of {$10000.00} - as the timing of this credit reporting could not be any more damaging to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX EST, XX/XX/XXXX Paypal decided to permanently limit my account and intern withhold the money in said account, a sum of {$11000.00} USD for 180 days ( {$10000.00} of which would have been available for withdrawal under regular circumstances and {$900.00} of which would have been withheld until XX/XX/XXXX, latest, given the aforementioned limitation was not in place ) Contact was made with PayPal via their customer service telephone contact number XXXX XXXX XXXX XXXX XXXX approximately 38 minutes ( XXXX XXXX EST ) after an email re. the limitation was received, in an attempt to resolve the situation. The customer representative who identified themselve as XXXX   notified me that : ( After 127 digital goods transactions, 3 of which resulted in chargebacks issued by the buyer through their financial institution ) Paypal has decided that my social media XXXX business is too risky ( though Ive cooperated in all events by issuing refunds within 72 hours, in most cases within 24 hours ) The representative was unable to provide any sort of resolution and transferred me to the supervisor present for that day whom was also unable to provide any sort of resolution and notified me that there was no one above her who would be able to do so.

Paypal has since decided to continue to withhold my money in its entirety for the aforementioned period and has refused to allow me to withdraw any of it within a reasonable time period.

Company response to consumer: Closed with explanation