vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
A few years ago, I contacted XXXX XXXX / Navient about the Public Service Loan Forgiveness program. I asked if my loans were eligible, if they could be forgiven in 10 years, and I was told they were and would be. I was given the impression I needed to do nothing but wait until the 10 years was up when they would be automatically forgiven. Last year, I submitted the PSLF forms, however I never heard anything from XXXX XXXX / Navient. Recently, I called them only to discover that the loans are not technically eligible as they are ; they must first be consolidated and the 10-yr clock begins upon consolidation ( not when I began my XXXX ). 
The lender either originally lied or provided incomplete or misleading information. And this important but unstated detail may cost me as much as {$17000.00} ; had I known I needed to consolidate 3 years ago, I would have. Now, it is too late to benefit from the program ( for the loans managed by XXXX XXXX / Navient ). 
I also want to include my story into those that say lenders such as XXXX XXXX / Navient steered borrowers toward forbearance, which then capitalized interest. In a few instances, I may have put my loans into forbearance as my job status and pay were insecure ( XXXX part-time, without any security for pay or contract ), but these were always done without the appropriate information upfront that loans would be capitalized afterward. I agree that rather than forbearance, lenders should have been advising all possible options, including a lower payment given current income ( all loans have been eligible for IBR at the least ). In some cases, I still may have needed to take the forbearance. But who can make the best decision without all the appropriate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Ad Astra Recovery Services is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with Ad Astra Recovery so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i was a victim of identity theft and continue to dispute my report and there refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I applied for a HAMP Loan Modification during XX/XX/XXXX and submitted tons of documents in the last 2 1/2 years or so. Whatever documents they have been asking me ( some of them again and again ), I have been submitting promptly. The only document they needed as of XX/XX/XXXX was my Job letter, which I promptly submitted through my 3rd party. I am attaching a copy of their letter dated XX/XX/XXXX as well as my 3rd party letter dated XX/XX/XXXX, submitting my Job Letter. In fact I have submitted my Job Letter several times in the past too. 
As such I do not understand as to how they are saying that they do not have RMA or any of my Modification docs. by XX/XX/XXXX and hence they are giving me an in-house Loan Modification with a higher payment of {$1100.00}, as against my original payment, which is lesser.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Financial Services
State: FL

Complaint narrative:
I co-signed a loan for my daughter for a car. She was responsible for the car although my name was on it I never drove it once. I found out they are threatening to repossess it and i called Consumer Financial Services. I asked them to work out a payment plan of XXXX every 2 weeks starting XX/XX/XXXX and they refused saying my daughter had broken many promises to them. I was offering to pay this myself though! I have never made a payment with them and I think they should give me a chance. 
Then he went on to say that he would garnish my wages. I live paycheck to paycheck and can not afford this. 
All i want is a chance to get caught up between me and the company, not my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: AL

Complaint narrative:
I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute 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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Solutions Group, INC
State: TX

Complaint narrative:
I have paid over {$1200.00} for a {$450.00} loan. They continue to call my numb er 5-6 times a day. Hang up  over and over. Call my place of employment over and over. Threaten to take legal action. This loan has been paid, more than in full. I would like the calls to stop and the debt to be placed at {$0.00} as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the USBC NDG. In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which w ere discharged ; howev er, Equifax has continued to reinsert my mortgage as a new debt. I have disputed this account for the past 2 years with no success. Also, each time Equifax removes the account, it is reinserted a month later. This has caused my credit score to go down by  XXXX  points. I have reached out to  XXXX  as well. They have refused to acknowledge that the mortgag e was discharged and s hould be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my hope that your agency can assist in getting this cleared up and my credit score restored to its previous number of  XXXX .   Thank you in advance.     -- -- --  XXXX   XXXX   XXXX   XXXX  --  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: IN

Complaint narrative:
I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is not a complaint but merely an attempt to communicate with this credit account where numerous phone calls and dead end transfers have put me without resolution.     On  XXXX  and  XXXX  of  XXXX , I tried to re ach JcPenney 's collect ion/bad debt divisions but attempts were futile and ended in incorrect department transfers and disconnections. Finally, on  X/XX/XX , I was able to be transferred correctly to the  XXXX  department at Synchrony Bank where I spoke to  XXXX  and he located my old account. My intent is to  1 )  request itemized charges and dates if need be to state my cause and the n 2 ) verify  and prove with proper affadavit detailing unauthorized use/ID theft on charges with this credit line that, by my discovery, go back to  XXXX  and maybe  XXXX .    XXXX  informed me that this account was sold off to  XXXX   XXXX  and that I need to contact them. I explained to  XXXX  that I already have contacted them, given them the affadavit at their request and that they have agreed and subsequently removed the reporting from all  XXXXX  reporting CBs. I explained th at JCP is still  reporting me separately from the collection agency and that if I need to validate this, I will do so gladly. Again,  XXXX  informed me that there is nothing he can do since the account was sold off to  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 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     thank you

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