vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
After providing notice of intent to refinance with another institution, BBVA Compass Bank provided notice of their intent to charge my escrow account to purchase their homeowners insurance. My homeowners policy premium was paid by BBVA Compass and the policy has never been out of force. Basically, they are trying to steal my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We applied Home Equity Line of Credit with US Bank. Although they approved the loan, they enforced to withdraw from the line to pay off credit cards balance on the credit report and a auto lease account. We 've been arguing a lease is not a loan which has no interest. By withdrawing the fund from HELOC to pay a lease account, it actually increasing our payment w/ un-necessary interest and US Bank is the one earning the interest! As credit cards, by the time they approved, most of the credit cards have {$0.00} or less balance but US Bank still enforced to pay them and asked us to wait for credit card company refund us! And the worst, we can not figure out XXXX of XXXX accounts which believe they do n't belong to us. I asked them to hold that XXXX checks so I can pull the credit report to investigate! US Bank just said they ca n't hold the checks and need to mail out! What happened if these XXXX accounts are truly not belong to us? We have to pay for someone 's accounts? They can hold these funds in bank until further investigation before paying but bank do n't care about consumers problem because it shown in my credit report! ( we did n't know these XXXX account # until they 're ready to mail the checks out ) We agree to pay the interest of what we actually borrow but not on these unfair transactions with troubles! We signed to accept the terms are not because we agree, just because we need the funds ; but banks do n't consider consumers rights and conditions, only claims their own policy/regulation to enforced consumer to accept!

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted to experian credit reporting agency a letter I received for further documentation the my mandee 's account was never paid late and this account should be reporting as accounts that are satisfactory. I received the letter from the bank ( XXXX ) that they are to adjust and correct my report. Today I reveiwed online the results of the investigation and now it is showing as N/D for the month of XXXX and still reporting as a late payment for XX/XX/2015. This is completely wrong. Experian requested this letter so they can adjust my report and move this account to accounts that are satisfactory. I spoke with commenity bank and received this letter as they confirmed this account has never been paid late. This account at one time was reporting correctly as accounts that are satisfactory then recently it was moved to accounts that are potentially negative. They re-inserted it back to negative. I spent time on the phone with them plus my time in mailing this letter again and it still is not corrected. I am submitting this complaint about experian credit reporting agency because they have the substantial documentation they need to correct this account. 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 non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I PAID THE DEBT AFTER THEY AGREED TO NOTIFY ALL MAJOR CREDIT AGENCIES AND THEY CLAIM THEY HAVE BUT HAVE NOT XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Facsimile : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX File ID : Original Creditor : Original Account : Current Balance : Service Date : XXXX XXXX XXXX XXXX {$0.00} XX/XX/2013 Commonwealth Financial Systems , Inc. Is authorized to resolve the above-mentioned account. 



This shall confirm this debt as " Satisfied '' And you will have no further obligation to the above referenced creditor. We will also notify the XXXX major credit bureaus to delete the above referenced account as soon as possible. 

If you have any questions Or concerns, please feel free to contact me. 












Sincerely, XXXX XXXX XXXX XXXX Ext. XXXX Manager This is an attempt to collect a debt, by a debt collector, any information obtained will be used for that purpose. 
This letter is subject to receipt of payment total. If made, this letter serves as authorization to remit said payment. If payment is voided or offer not accepted/completed by dates listed above, CFSI is not obligated to renew the offer. 


Email Account Manager Give Us a Call Save Contact Information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
MY Private student loans were discharged in a Chapter XXXX bankruptcy. Navient after 5 years has started to try and collect on these debts and have attached my credit as result. I have the legal document showing the discharge of the debt. They are at this point threatening legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I closed my account with American Express on XX/XX/XXXX. Since that time I did n't receive a single payment reminder through emails which the American Express was used to provide me. During that time, I moved to a new address and suddenly I get a bill of late fees on my account from XX/XX/XXXX to XX/XX/XXXX. I spoke to the customer services and she was able to waive the charges for the month of XX/XX/XXXX but refused to do so for the month of XX/XX/XXXX. I offerred her to pay all the charges until the date of XX/XX/XXXX but she refused and kept insisting that I must pay her {$120.00} including the late fee that was imposed after I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SECURITY CREDIT SYSTEMS INC
State: CA

Complaint narrative:
I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon being denied from a lender for " too many inquiries '' from XXXX report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason 1. XXXX XXXX date XX/XX/XXXX 2. XXXX date XX/XX/XXXX 3. XXXX date XX/XX/XXXX 4. XXXX XXXX date XX/XX/XXXX 5. XXXX date XX/XX/XXXX 6. XXXX date XX/XX/XXXX 7. XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: AL

Complaint narrative:
AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Once a week I 'm getting calls from all over the U.S. from " Navient '' asking for payment of my loan. They are aware I ca n't pay at this time, yet they are pushy in receiving this money and ask if there is anyone else I know that can pay it which is ridiculous. I feel that this loan provider is disrespectful when asking for money and even hearing my struggles to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was charged over {$10000.00} for 3 months of schooling. I gave back the computer and the books and was still charged with this outrageous amount. I am now XXXX and am unable to work so I am having a lot of trouble paying back my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: OH

Complaint narrative:
I took out a pay day loan from XXXX in XX/XX/XXXX and paid off the debt, my Credit Union Statements bear this out. On XX/XX/XXXX I checked my XXXX Credit Report and found that Allied Collection Services, XXXX XXXX NV XXXX placed a derogatory mark on my report. At no time did Allied contact me relative to this purported debt.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: COLLECTECH DIVERSIFIED, INC.
State: UT

Complaint narrative:
I was denied credit based on inaccurate information on my credit report. Collectech Diversified has collection report on XXXX and XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A XX/XX/XXXX debt from XXXX was discharged in bankruptcy XX/XX/XXXX. However, in XX/XX/XXXX and XX/XX/XXXX two accounts that were discharged with the original creditor XXXX, was sold to I C SYSTEM COLLECTION AGENCY. I C SYSTEM are reporting wrong dates on my credit reports for these debts as well as continuing to collect on these debts that I do not owe.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone is trying to open a credit card under my name on XXXX and 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 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient keeps reporting to the credit bureaus that I 'm 120 days late which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld claims I owe for XXXX and continues to harass me.

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: FL

Complaint narrative:
I have contacted Equifax several times in order to resolve an issue I had regarding identity theft. I was notified that I was a victim of identity theft and was provided a free credit monitoring service. Upon reviewing my credit report, starting with inquires, I noticed there were a lot of unauthorized inquiries on my credit report. I contacted Equifax and was told I did not have the right to dispute my inquires and that I needed to contact the creditors directly. As a victim of identity, I am not aware of half of these companies and did not have any contact information. I advised Equifax that per the FCRA i have a right to dispute inaccurate information. I was then told by the supervisor Friday that I do not have the right to dispute inquires and Equifax will not allow me to. I have a fraud alert placed on my credit file but I am denied the right to dispute inaccurate information on my file. I have attached a list of inquires not authorized. Please review all inquires with * and provide me with valid proof that I, XXXX authorized the inquiry. If you are not able to provide proof, please remove them immediately. At this current time Equifax has violated my right as consumer to dispute any information on my credit report that is not valid. Failure to comply with FCRA will result in no other choice but a potential law suit against Equifax. Please review my file in accordance to the FCRA. 

Thank you and i look forward to a resolution immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We had storm damage from falling trees on our property. The insurance company paid the claim with a check to us and the mortgage servicing company -- Fay Servicing. Fay demanded that we endorse the check to them and that they will dole out the funds. We found a contractor to remove the trees but Fay sent us a check for only 1/3 of the total claim ( there are other tasks to repair our property after the trees are removed ) payable to both the tree contractor and us. The contractor will not do the work without the guarantee that that they will be paid when the work is done and indicates that they have had difficulty with collecting from mortgage companies and insists that we guarantee payment if the mortgage company does not pay in 30 days. The mortgage company will not guarantee that they will do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have done business with american express, and the reason doing business with them was they service that they offer specially when it comes to charge that was unauthorized or a service that you were not satisfied they go a notch above and take care of the problem for you. obviously this was all nothing but lies to consumers and i am a perfect example to bring this to their attention that the same thing does not happen to anybody else. I signed with a company that they advertise money back guaranteed if you are not happy with their service ( XXXX tax relief ). I signed with ( XXXX tax relief ) and had it charged to my american express credit card and after two months i contacted ( XXXX tax relief ) and cancelled my services because they give me not even one true answer also contacted american express and told them about what just happened to me. the person on the phone was very nice and told me they are going to take care of this matter for me and i do not have to pay any of the charges to ( XXXX tax relief ) and i get my account credited. and i told my husband and all of my friends how great of service i got doing business with american express. two weeks after i looked at my statement and noticed that all the charges are back on my credit card also they let ( XXXX tax relief ) to charge few more payments to my account. afterwards i talked to a supervisor at american express and they were so rude and closed my account and told me i am obligated to pay their balance. until earlier today when i told a friend of mine and he told me i should make a complaint on this site and that is what i am doing now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient payments are not practical! $ XXXX is not feasible by any graduate let alone more recent ones who are only making $ XXXX! Loans need to be more practical and payable! I ca n't get engaged, married, a house or even live because of my loan payments!

Company response to consumer: Closed with explanation