vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
I graduated from the XXXX XXXX at the University XXXX XXXX on Friday, XX/XX/XXXX. My first student loan payment is scheduled due on Wednesday, XX/XX/XXXX. My student loan servicer is Edfinancial Services. 

While the quick turnaround is not in itself a problem, my loans qualify for 6 months of forbearance and/or deferment after graduation. I need to utilize this grace period because I will not start working until XX/XX/XXXX.

However, as of Monday, XX/XX/XXXX, there is NO WAY to contact my servicer. They have three customer service phone numbers posted online - none of them work. Each phone number plays a XXXX message saying that the phone number has been changed or disconnected. They have an " Email Us '' option that is currently broken. 

I also called the Department of Education and their financial aid people to see if they could get me in contact with my servicer. They gave me the same phone numbers from the website that are disconnected. 

This process is honestly an absolute joke. I am entitled to modify the terms of my repayment but I am unable to do so because the company is unable to be contacted. It's completely unprofessional and, honestly, predatory, because I know that Edfinancial Services will magically appear if I don't make my payment on Wednesday. 

Any help that you can provide would be greatly appreciated. I will be following up with the OIG at the Department of Education, as well as my school 's financial aid office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: AL

Complaint narrative:
I was sent a check in the mail offering me a loan with XXXX XXXX, around XX/XX/XXXX. I cashed the check in of XX/XX/XXXX, started my monthly payments in XXXX of {$150.00}. I got with a debt consolidation company called XXXX XXXX XXXX to help consolidate my debt around XXXX or XX/XX/XXXX.  The following account with XXXX XXXX was added to the debt consolidation. I didn't make payments with XXXX XXXX moving forward, however I went to court for the account with XXXX XXXX to agree upon moving forward their payments will be received from XXXX XXXX XXXX. I have documents showing payments being made to them timely and a pay off date. I have been harassed about payments from XXXX XXXX, which they have indeed been reviving from XXXX XXXX XXXX on time ( I have documentation ). XX/XX/XXXX the account for XXXX XXXX was paid off in full thru XXXX XXXX XXXX. But now XXXX XXXX has been adding derogatory remarks to my credit report, and building late fees to my credit report, and not once XXXX XXXX have reached out to me regarding the amounts added to my credit report. Will upload a few documents showing proof of payments, and can provide more documents upon request. XXXX XXXX XXXX can be contacted also for proof or my lawyer with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
Child support says I owe a Debt of {$600000.00} and I can't Dispute the Debt they say I owe. I have been XXXX for 9 years and they have been lying for the last 9 years under Oath and the orders sent has no court seal nor judge signature which makes the order sent null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on XXXX and TransUnion dropped drastically. XXXX   dropped 74 points from XXXX down to XXXX and TransUnion dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, XXXX raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CORELOGIC INC
State: OK

Complaint narrative:
The same company named credcohas done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and XXXX reported 2 hard inquiries on back to back days.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have had my identity stolen and now I have several collections items that I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased ( 2 ) tickets from XXXX to XXXX XXXX for {$330.00} at XXXX XXXX XXXX on XX/XX/XXXX. I thought the price was high since when I printed the tickets the " Full Price '' was {$78.00} each. 
At the concert we did not have seats! The General Manager told us had purchased " Scalped : tickets and she could have us escorted from the concert. But she got us folding chairs and we stayed. The GM pointed out that reselling these ticket is in violation of FL Statute 817.36 and tickets my not be resold for more than {$1.00} more over face value. Contact VISA and ask for a refund. The name on the tickets is " XXXX '', not XXXX. 
I contact Bank of America VISA and onXX/XX/XXXX I was refunded {$150.00}. I thought the case was closed until XXXX charged me {$150.00} on XX/XX/XXXX saying " you paid for the tickets, too bad for you ( XXXX ). 
XXXX  knows that XXXX violated the law ( FL 817.36 ) and is not protecting me from scalpers, etc. 
I filed a complaint with the Attornet General of FL XXXX XXXX, and she directed me to your site to file a complaint.

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for Marriott Rewards card through Chase on XX/XX/XXXX. I was denied on XX/XX/XXXX. The reason was that I had too many cards opened in the last 2 years.No quantitative information to define a maximum is provided. My FICO is over 800. I have never been late on my payments. My debt loan is minimal compared to my income. The simple matter is Chase is being punitive and denying rewards cards to customers who do not carry a debt. This does not appear to be fair credit lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
The same company named XXXX done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and equifax reported 2 hard inquiries on back to back days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good Day XX/XX/XXXX I repeatedly try to work out an agreement with XXXX to lower my monthly payments from {$340.00} to a minimum of {$150.00} due to my employment status has changed after my car was totaled. After my car was totaled by the insurance they paid XXXX XXXX XXXX nearly {$11000.00} which left a balance in XX/XX/XXXX. I made a payment in XX/XX/XXXX of {$200.00} a payment of {$150.00} in XX/XX/XXXX also {$150.00} in XX/XX/XXXX ; which does not constitute being more than 30 days late & causing my credit score to plunge. Also I spoke to gentlemen by the names of XXXX ( XXXX ) & XXXX ( XXXX ) back in XXXX & they stated that the last couple of reps never completed what I requested or never have the ability to fill my request of a lower monthly payment. Also my issue with WFDS is that 2 reps before XXXX & XXXX assured me this was something they could take care of ; if I knew from the beginning they couldnt process my request I wouldve had the chance to use another option. But I wasnt giving that opportunity so this is the reason Im disputing. Again this will be the 2nd letter I had to type ; XXXX XXXX XXXX WILL NOT NEGOTIATE LOWERING MY PAYMENT FROM THE INITIAL PRINCIPLE BALANCE PAYMENT OF {$340.00} TO A MINIMUM $ XXXX   MONTHLY WHICH I HAVE BEEN REQUESTING SINCE THE CAR WAS TOTALED OUT IN XX/XX/XXXX. The point is that the reps I spoke to XX/XX/XXXX/XX/XX/XXXX lied & stated that it can be reduced which never happened until I kept getting phone calls from the automated service to call in which caused my suspicion. My issue is how can you still charge the principle balance amount when the principle amount is not there. Also I requested 2x to have it reduced in which I was told by 2 reps it would be completed and it had me under false pretenses that it was completed. Also I never disregard paying XXXX Ive made payments what I could afford ; so they have no legal right reporting me to the Credit Bureaus without at least reducing my payment as requested previously.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need some help I have filed a bankruptcy and now trying to move on with my life, there is a Kohls Capital One listed on my credit file that was included in my bankruptcy which on my credit file it says It's a charged off owing XXXX I have called Capital One and they state it is in Bankruptcy as I tried to pay this even though it was included they would not accept any money but they have it listed that I owe. How is this right or fair? Please help Kohls Department Store # XXXX Date open XX/XX/2009 balance {$3300.00} reporting as a charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
My collections account with XXXX XXXX XXXX , XXXX, is incorrectly showing as an open charge-off with a {$0.00} balance, and it is paid in full. I submitted a credit dispute via XXXX, and the information has still not been correctly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX.  Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified  Housing Counseling Agency. 

Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX. 
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent. 
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office. 

Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed. 

Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail. 

Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond. 

We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IN

Complaint narrative:
The company that owns our property has changed loan services multiple times over the past 5 years, and now with this new company named XXXX XXXX all of a sudden our payments are late or not posting on time to cause late fees in which those have increased as well, we are not getting our grace period and no one seems to know what it is. The late fee went from {$15.00} to {$30.00}. Our escrow has never been low, but now there is not enough to cover our state taxes in which has now caused our payments to rise. I XXXX faxed sales disclosure forms to the loan servicing office for someone to fill in the blanks for our homestead taxes which will lower the taxes and they have refused. The last guy named XXXX ( No last name ) that was in charge of our loan through this company, noticed the late charges that should not have been accumulated on our billing statements and he then was fired from the company. We feel this company is trying to make families in our position loose or take their homes because of these issues. My husband and I have tried to talk to the company and get nowhere. They first stated that they couldn't receive biweekly payments just to find out they told us wrong the first time, we also had to make changes to our bank account in order to deal with this XXXX   company. We are sending copies of the documents of payment history, current statement, and documents from the county office that shows the owner of the property for the homestead. I have never had problems with a company like this, if you look at all payment history from XX/XX/2009 to now, we may have had a few late fees, but my payments were ahead until XXXX took the loan. The last photo is of the letter we receive every month because the payment hasn't posted in their system and no one can tell us a correct grace time, and if this isn't enough I can provide bank statements as well. Prior payment history should be available to see our payments were no problem before XXXX. I feel this is discrimination and something needs to be done now!!

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 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I had an account with Wells Fargo Bank at the XXXX and XXXX XXXX.I paid my balance of {$9.00} and closed off the account.Then I went over to XXXX XXXX to open another account, and was informed that my new checking account could not be opened for free because Wells Fargo claimed that I still owed them money.Now that is impossible because I had paid my balance in full to the teller, and then requested to see a banking official so that I may close off the account and which he did and was told that I was free and clear.Can you help me with this problem, because I do not want them to be able to hinder me in the future.Thank you for any and all consideration in this matter.

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 2018-05-14 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/2018 I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to Navient regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. On XX/XX/2018 I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I continue to receive phone calls from this number some times two times a day. It's been going on for over 5 months or so. Although, I have asked them not to call they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: PA

Complaint narrative:
Last payment made on XX/XX/2018. 

KeyBank sent title to incorrect address, despite correct address on file for billing statements, and vehicle registration.

I have called KeyBank > 5 times, asking where my title is. KeyBank has promised that they are looking to find the title. On other calls, they have refused to send a new title to me, the owner. On my latest call XX/XX/2018, KeyBank stated they would send a new title to me, however I have still not received it. They have sent a lien release statement on multiple occasions, but still no title.

Company response to consumer: Closed with explanation