vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen loan servicing, llc Ocwen has failed to credit my my loan payment. on XX/XX/XXXX my bi weekly payment was paid through XXXX XXXX my Bank statement shows it was paid Ocwen contacted me on XX/XX/XXXX to tell me they have not received my payment The amount is XXXX XXXX XXXX dollars XXXX XXXX cents. Ocwen told me the payments were handled by pay map phone XXXX That I should call pay map will do so Monday XX/XX/XXXX Can Ocwen charge me with late fee as I did my part, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. 

Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am very frustrated with navient, I spoke with a rep about a year ago that informed me that what I owed is actually in the 60k range and that the over 90k I owe is 30k plus of accrued interest from forebearences I was consistantly encouraged to do and never warned that it could result in such tremendous compounding interest. I feel scammed and lost all interest in paying navient a single dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NC

Complaint narrative:
On XX/XX/2016 I notified my property managers that I will be vacating my rental due to XXXX orders I provided them with the orders to break my lease. I left country XX/XX/XXXX and did not occupy the residence in the month of XXXX. The property managers however threatened to report me to the credit bureau as well as keep all remaining funds from my deposit if I did not pay the month of XXXX as well as asked me to pay from XXXX XXXX XX/XX/XXXX and whatever they do not spend they would send back to me but I refused due to military rights and clause. They reported me for unpaid rent and damages that are false. I did an inspection with one of the property managers as well as forwarded an email with proof of cleaning services but they still falsely reported this information to the credit bureau. during our walk thru the manager stated that holes in the walls from pictures will be taken out of the deposit I agreed and the manager stated that it wouldn't be no more than {$200.00} of which my deposit was {$690.00}. I also purchased new blinds and fixtures for the entire apartment, no other damages were noted. I ask that this be removed from my report due to false information and threats to attempt to seek debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter from PayPal Credit thanking me for opening an account. 

I did not open an account and I do not have a Paypal account. 

On XX/XX/XXXX, there were two {$1.00} charges from Paypal against my XXXX  XXXX XXXX credit card. XXXX said there was fraudulent activity on my XXXX card, so they closed it and issued a new card. This is not a complaint about XXXX. 

On XX/XX/XXXX, I received another letter from Paypal credit saying they suspected suspicious activity on the PayPal account and they gave a number to call. I called the telephone number, but the woman demanded my date of birth and last 4 digits of my social security number. I did not give them this information. 

On XX/XX/XXXX, I received a statement from Paypal Credit saying I owe {$800.00} I have received many harassing robo calls in the past few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 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: NY

Complaint narrative:
I took these loans out in XXXX and they totaled just above the amount owed now. Two loans are 4 % and one is 12 % interest. It shows that literally less than 10 % of all payments made has gone to the principles of the loans. One loan even went up {$1400.00}, due to bad customer service advice and 99 % of my payments going to interest first. I have screenshots of the history. Do I dare refinance? Or just join the suit. I was taken advantage of just after a XXXX assault and XXXX. Navient has ruined kids in college. It doesnt need to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX  is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account  condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
I got a short term loan from XXXX XXXX XXXX. I paid it off early but they still charged me a large fee. It cost me almost 2000.00 dollars just to pay it off early they said I had to pay the fees to pay it off early and that I would owe them anyway. I think I was done unfair and they owe me money back.

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 2018-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
After reviewing my credit report I have noticed that XXXX XXXX XXXX has placed two accounts on my credit file that I have no knowledge of : XXXX XXXX XXXX XX/XX/XXXX {$1200.00} and XXXX XXXX XXXX XX/XX/XXXX {$1200.00}. By law this company is obligated to inform me of this debt by writing. I have never been contacted by this company. I have no knowledge of these accounts and have not signed a contract with either three companys. I am requesting that this company remove these accounts immediately and prove to me by writing with my original signature that these accounts belong to me. I have not signed a release form for my medical records to be released. If this company is in possession of my medical records or violate HIPAA. I will file suit against the company and its clients. I have been advised my attorney to take immediate action if these accounts are not removed from my report. Because I am a victim of identity theft I am requesting that this issue to taken care of immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sound Collection Services
State: NC

Complaint narrative:
In XX/XX/2016 I moved out of XXXX XXXX XXXX XXXX XXXX, I had over paid an extra months rent. After moving to the other side of the US I saw that I had a collections waiting on my credit report. I called and they said that they mailed me the letter but it was returned to them and on top of such I was not being refunded any money but then being charged more money. They now want {$1600.00} to the sound collections company. I have still yet to receive anything physical about this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My Equifax credit report dated XX/XX/18 shows the following information : BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX This  information is incorrect and and letter back from Equifax states this has been verified. Equifax did not send me information with copies of any documentation associated with this bankruptcy bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
Hey CFPB, I currently have my refinanced XXXX XXXX with a company called XXXX XXXX, and have been with them for about 4 years now. The interest on my loan is assessed daily, which is fine, but XXXX does not process scheduled payments daily. Whether it is a reoccurring payment or selecting the earliest payment date for a one-time payment, XXXX will leave my payment in pending status for at least 2-3 days every time and continue to accrue interest, which is about {$25.00} per day for me now ; it was more previously when my balance was higher. I do not think XXXX is engaging in fair practices and they definitely did not accurately disclose that this was how they process payments when I refinanced with them. XXXX should not be allowed to continue to accrue interest on my loan and any others just because they leave payments in pending statuses for extended times. If they can not process on the date that they offer as the earliest available or scheduled date, then they should not leave them as an option. Currently I have a payment scheduled forXX/XX/XXXXthat still has not been posted to my account, today isXX/XX/XXXXXX/XX/XXXX( a Sunday ) so now it will be a minimum of 4 days before I receive credit for a one-time payment that XXXX can not deliver on. 

Can you please look into this? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I am writing to dispute the following information reported by PennyMac on my XXXX  credit report ; 1. The Condition of the account is Open, not Derogatory.

2. The Status of the account is OK, not on a Payment Plan.

3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to dispute the following information reported by XXXX on my Equifax credit report ; 1. The Condition of the account is Open, not Derogatory. 
2. The Status of the account is OK, not on a Payment Plan. 
3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016. 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.

Company response to consumer: Closed with explanation