vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever

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 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Orions Management Group, LLC
State: NH

Complaint narrative:
Received several voice messages from a XXXX XXXX from the beginning of XX/XX/2018 to present stating to call about important documents to discuss and that it was a time sensitive matter. Threatening that must be called back or would " proceed accordingly '' and states that he has legal documents on his desk just waiting for him to file. Calls me several times a day with the same thing saying that I must call back that same day. I have had to block their number through my cell phone provider. They are also harassing me at work calling me several times a day and I have asked them to stop but they won't. 

They are constantly calling and harassing me stating that if I don't answer by the end of their day they will have no choice but to act according and file the legal documents they have on their desk. They have been calling several times a day for a couple of weeks now and are even harassing me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX Dear Sir or Madam. 

I am XXXX XXXX. I suffer with XXXX   XXXX XXXX. I have a daughter with XXXX. My husband XXXX on XX/XX/XXXX. I bought a car through chase auto financing in XXXX when my husband was living on XX/XX/XXXX. When my husband was living, I could afford the payments. I tried to refinance in XXXX and I was turned down. When I purchased the vehicle my credit score was XXXX or better. I recently tried to refinance in XX/XX/XXXX and they turned me down again. My credit score is higher and I have a 100 % payment history with them. I can't afford these payments of {$410.00} a month. I don't know what to do except to write to you all to please help me because Chase would rather me loose the vehicle and mess my credit up than to work with me on my notes. I had to take out a loan to pay them for the month of XX/XX/XXXX. My life is so much harder and I don't know where to turn. Me and my daughter is all alone in this world without any help since my husband died. Please help me because I am so confused and so stressed out. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Have been trying to improve my credit score for a long time. It has been slowing rising. believe in not having credit cards. Only items on my credit report were student loans which I co signed for my daughter, an auto loan I cosigned for another daugther, and a small auto loan which I have. The auto loan for my daughter was paid off so I assumed that my credit score would go up somewhat. To my surprise it went down 15 points. Cant understand why with report showing all accounts in good standing, why my credit sore would go down 15 points, not up or remain the same. Have strived to improve my score, only to see it drop. Contacted equifax to explain why only to get the run around. Only thing they told me to do was contact you. Have strived to keep my credit spending under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have received calls from XXXX XXXX XXXX for about the last 6 months, and each time I tell them that the debt has been charged off and I am on XXXX and can not pay anything now more than {$5.00} a month if the debt is real. That amount is just not good enough. They are consistently rude, talk over you, and threaten with comments like " I can make your life miserable '', " I guess you weren't very good at your job or you would not have this debt '', calling me " lady ''. They are unreasonable, unprofessional, and just plain Bully 's! I don't know if they are a legitimate company or scam artists. Either way the brow beating tactics they use are completely out of line. Please check into this company, I surely hope if they are scammers that no one has given them any money. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I received a copy of my credit report and was amazed to see a {$10000.00} collection from a college I did not attend! I went to an orientation and considered attending XXXX XXXX XXXX in XX/XX/XXXX however I did not attend! I withdrew from all courses before the date that makes you financially responsible for tuition. However thousands of dollars have been put on my credit!

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian permanently blocked and deleted XXXX XXXX XXXX  from reporting on my credit profile on XX/XX/ but onXX/XX/XXXX they reinserted the account on my credit report. The account is a fraudulent account in the amount of {$25000.00}! Per FCRA section 611 Experian has to notify me within 5 business days after the reinsertion it is now XX/XX/XXXX and I have yet to receive a certified letter regarding why the account was reinserted. I have filed a complaint with the attorneys general office so I have exhausted all of my resources trying to resolve this issue! The only option I have left since Experian is illegally reporting inaccurate information is to file a lawsuit against Experian regarding illegally reporting fraudulent accounts!

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: CA

Complaint narrative:
This dispute is in regards to an incorrectly reported collections account on my credit report by the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the XXXX XXXX XXXX XXXX to remove the items from my credit report but both the reporting agency and the XXXX   failed to remove it. I was pulling GI Bill benefits from the XXXX to go to school and then graduated in XX/XX/XXXX with no correspondence from the XXXX  in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling XXXX benefits once I graduated. My contact information with the school had been updated immediately and since the XXXX was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the XXXX  would remove it from my credit report. The XXXX nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the XXXX remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the XXXX for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the XXXX and money being taken away from my pay checks. I believe the XXXX  did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The XXXX is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of god remove this from my credit report. Thank you very much, for the third time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I have tried unsuccessfully several times to get my mortgage loan company to remove the monthly insurance premium ( MIP ). My FHA loan was initiated before 2013 and been in effect over 5 years. I have a loan balance that is less than 78 % of the original and only appraisal value. 

The company, Mr Cooper ( nationstar ) has an incorrect appraisal value in their file and refuses to accept the only appraisal ever done. 

I want the MIP billing to stop and a refund made for the months where the MIP should have stopped. 
Original home appraisal = {$150000.00} current balance = {$110000.00} loan to appraisal = 77 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX Please allow me to add a bank. I tried adding a bank and got an error message. I called paypal and they not able to add the bank for me. I have {$420.00} USD available

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I transfer money to my cousin in XXXX on XX/XX/ and money was debited from my account on XX/XX/ but receiver never received the money. Today I call Western Union to find out what is going on with my transfer. They told me transaction on hold due to need more information regarding receiver. I told them when were you going to inform me they try to tell me they send me the email but he could not tell me when email was sent. Thay just lie about email and sit on my money without notifying me or receiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Ditech Financial LLC
State: VA

Complaint narrative:
This company has reported to IRS and credit bureau that they lost {$4900.00} in the short sale and this is not true. I paid Greentree in the short sale and nothing was suppose to be reported as this was due to my spouse XXXX overseas and we had to sale the house. We were paying them as agreed. They also reported to IRS XXXX as debt lost and earn income of {$4900.00} which is not true. Greentree got the bulk of their money so no XXXX should have been reported to IRS. We went under the SCRA, relief act for XXXX XXXX military. We provided Greentree with XXXX to overseas. They went back on their word. Now this new company that has merge with Greentree has report incorrect information that is affecting my credit and my taxes for 2015. 

XXXX XXXX XXXX from Ditech responded to first compliant but did nothing to address the miss information that was reported. Please have her call or email me so I can get correct. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX  is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire 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