vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I pull my credit report and I saw A lot of credit inquiries I did not authorize

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 2020-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I Purchased a home through the builder XXXX who sold our mortgage to Loancare LLC. They have serviced our mortgage since XXXX and we have experienced several issues with the company. We are being told that we must carry an escrow account with Loancare that then they are responsible for paying our taxes and home owners insurance. For the last three years Loancare has payed our taxes and Homeowners late. We have contacted the company every year to discontinue our escrow account and begin paying taxes and homeowners ourselves and every year they give us a different story for not being able to discontinue the escrow account. The first response said that we needed to carry the loan for 2 years before we could discontinue the escrow account. Now that we are 3 years in with Loancare as our mortgage holder they say that we have to be under 80 % on our principle. We spoke with them on XX/XX/XXXX when they were asked how we can make sure that they make our payments on time the person explained that there is nothing that we can do and if our homeowners insurance lapses then that sucks and we are responsible. My wife and I are beside ourselves with this response and are very concerned. Our insurance lapses in XXXX every year and we are not covered under homeowners insurance from XX/XX/XXXX until whenever Loancare decides to pay the taxes and homeowners. We are also being penalized and having to pay more in our property taxes due to the late payment. We feel helpless in this situation and are trying to figure out how to sell our home in order to get out from under Loancare.

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 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
1 ) The mortgage servicer US Bank Home Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX RMA application was denied on XX/XX/XXXX. US Bank Home Mortgage stated that no options were available based on insufficient income. An appeal period of XX/XX/XXXX was provided. The appeal was issued to US Bank Home Mortgage on XX/XX/XXXX, within the required grace period. US Bank Home Mortgage chose to ignore the appeal and furthermore state appeal was never received. US Bank Home Mortgage then entered a sale date of XX/XX/XXXX. 

2 ) US Bank Home Mortgage also denied and rejected mortgage assistance application submitted on XX/XX/XXXX. US Bank Home Mortgage previously stated they would honor the application since it was seven business days before the scheduled sale date of XX/XX/XXXX. However, the very next day US Bank Home Mortgage denied application stating application was not complete. US Bank Home Mortgage requested information that was not required for completion of file. Based on my XXXX Tax Return, US Bank requested a P & L statement of two business that were no longer in operation. Which was also explained in the Letter of Explanation dated for XX/XX/XXXX. 

3 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and US Bank Home Mortgage stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, file was denied and continued to press sale date of 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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Collectors, Inc.
State: IL

Complaint narrative:
Over a couple or a few years ago, I did have a medical debt, in which was paid. I had insurance, and i am in fact an XXXX   XXXX  with the State of IL. I spoke with this collection agency Associated Collectors, and they said that this was a mistake ; and that they were going to get this taken care of. They specified this and more all on RECORDING. I have the recording and I am going to use it in court, to sue them. If this is not deleted, i hope this messages gets to them. I will sue with this recording, because they are breaking some sort of laws, there is not doubt in that. 

I have disputed it with the credit bureuas and i have sent a debt validation letter to them directly. Actually two of them. I have included the certified mail receipts to this email, and next, if not deleted, i will file suite with the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XX/XX/XXXX the student loan was taken out for XXXX   school with my now deceased uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked for deferment or assistance. XXXXRBS Citizen Bank handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting Citizens Bank to stop the attempt collect on student loan that I am not able to pay and my late uncle is no longer here to help. I received notification that Citizens Bank has filed to sue in my State. This loan is over 13 yrs old. I had not finished my XXXX degree. This is ridiculous and unfair. I have not received any notifications or letters from Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Hi I started working for the XXXX  XX/XX/XXXX. I decided to apply for Public Loan Service Forgiveness ( my previous employer also qualified ). I submitted the application in XXXX and it took months to get switched over to Fed Loan Servicing ( my previous servicer was XXXX XXXX ). I applied for an Income Driven Repayment plan on XX/XX/XXXX. I have attached the confirmation e-mail here. It originally said online I would hear something by XX/XX/XXXX which did not happen. I called at the beginning of XXXX and they said it takes a long time the first time. They allowed me to pay {$20.00} for the month of XXXX which I agreed because my payments would not count towards PSLF unless I am on an IDR plan. I logged on yesterday and it now says I am on a standard repayment plan and owe over {$2000.00} in XXXX. My IDR application still just said " received ''. I submitted a new application XX/XX/XXXX. However, now when I log in I can only see the new application and not the original. I can not afford to be on a standard repayment plan. I applied for IDR XX/XX/XXXX and when I called they could not explain what the delay was. These are also months where my payments could qualify towards my 120 payments but they will not qualify because Fed Loan Servicing will not process my IDR request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
JCP continues to furnish derogatory remarks on credit report. This continues to permit from opening new accounts. Account satisfied.

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 2020-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/2019 I submitted an application to Toyota Motor Credit to take over the lease of my cousins car. She had a XXXX and could XXXX  XXXX  XXXX. I was doing her family a big favor. My credit history, per all three bureaus is outstandingXXXX score. 
By the beginning of XXXX when I had not heard from them I started calling. I called repeatedly, dozens of times and could get no response. 
A letter was finally sent to me dated XXXX XXXX and first received in XXXX stating I was rejected for credit. 
The only explanation was - Income insufficient for amount and term of credit requested. 
This is not true. The amount was {$320.00} for 16 months, and well within what I could afford. ( per all the Credit bureaus ) I have been attempting since XXXX to get a more detailed reason for the denial. All I hear is " We are looking into this '' I believe per regulations at the least they have to tell me which credit bureau they used and the credit score they used. 
My credit history is unblemished and this is totally unfair. 
The customer service Resolution department has to communicate with their customers fairly and within a reasonable time frame. 
Stonewalling customers is I suspect totally out of compliance with regulations. 
I am entitled know the facts why I was rejected. 
I have moved from the address on the application Former address- XXXX XXXX  XXXX XXXX, XXXX, XXXX  NY XXXX New address - XXXX XXXX XXXX, XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Contract callers continues to furnish negative tradeline on credit file. Sent company verification and validation of signature. Company failed to comply and continues illegally furnish according to FCRA Guidelines.

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 2020-01-28 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 — Investigation took more than 30 days
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Bureaus of account management continues to furnish information on credit file going against FCRA Guidelines. Company sent to information regarding debt. Time of service, I receive medical assistance which covers @ 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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:
On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX-XXXX ) for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I was unable to access my free credit report on Exiquifax. After supplying all identification online, building a profile, it would not let me sign on. It directed me to call their support number. I did call. I had to supply my social security number, home address, zip, date of birth and phone number in the automated system just to be put on hold. The real person, after holding, would not help me get on the website without supplying further private information ( my credit card companies and monthly amounts ). I declined and wanted other resolution. She obviously would only read prepared screens to me and would not resolve. I asked to be transferred to a supervisor. After hold, she said just about the same information. No resolution unless I answer that question just for technical support. There is no way to log a complaint unless, she says, I send in identifying information and a complaint to the mailing address. This is a company that also has given me free fraud monitoring in the past because of their data breech, and yet could not help me to log into my account to get my free report. They should not hold me hostage in this way when I have already had to overshare private information to get to that point. I had no problem with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Greene & Cooper Collections LLC
State: KY

Complaint narrative:
I was in Bankruptcy in XXXX, XX/XX/XXXX received a letter from Green & Cooper that I had a balance with XXXX XXXX XXXX now, XXXX for a balance of {$35000.00} with no backup data. Received Order of Wage Garnishment XXXX, XXXX. My records currently show I paid {$16000.00} from XX/XX/XXXX through XX/XX/XXXX and total of {$12000.00} from Wage Garnishment for a grand total of {$28000.00}, but I can't get anyone to respond with the details. As of today, I show the balance to be roughly {$7500.00}, but this is also with interest from XXXX through XXXX with no notification from the lender until XX/XX/XXXX. 

Greene & Cooper File Number is XXXX, phone number XXXX. 

Any assistance you can provide would be greatly appreciate. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Naviant had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was an XXXX XXXX XXXX with the XXXX living in XXXX, Ga. I was on orders to deploy to XXXX in XX/XX/XXXX and gave the proper 30 days notice to my apartment complex. My orders changed and had to send me to XXXX two weeks earlier than planned. It took a little while longer to get my orders back to the apartment complex due to the moving around and issues with deploying. Once I got them the orders they had already sent my remaining balance for leaving two weeks earlier to the debt collector, IQ Data XX/XX/XXXX. I tried to give the debt collectors all the information but they would not leave me alone or dismiss the debt until I gave them a no contact order. In XX/XX/XXXX/ XX/XX/XXXX I was successful in removing my debt from XXXX  and XXXX  XXXX At this time XXXX and IQ Data both remain steadfast in not acknowledging the documents per the Military Clause in a renters agreement contract. I will not pay this debt since it is unjust and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Today I received a call from a so called representative from the bank where my mortgage is held ( PHH Mortgage services ). He claimed to be my new relationship manager, and was offering me a loan modification as well as a reduced mortgage payment.in order to avoid foreclosure. I am 2 months behind and discharged form chapter XXXX  bankruptcy. I was told that in order to participate in this program and save my home, I would have to send in {$960.00} which according to him would clear up my negative Escrow., and allow me to move forward with the modification. Mr. XXXX XXXX phone number XXXX XXXX XXXX said that my negative escrow as stated could only be paid through XXXX. I called the bank and they said that my escrow was negative ( {$190.00} ), and that I was not in forclosure, and If I wanted to clear it up I could send a check to the banks escrow department. They also stated that they have no notes of a call being made to me or do they have a record of a XXXX XXXX at the bank. They also gave me the name of my relationship manager. It is possible that this is happening to a lot of other individuals that are in similar situations with their mortgage and are being approached and scammed because of their perceived vulnerability. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ASG Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka ASG LLC left  detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of ASG to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

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 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

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