vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on  XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. 

- On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. 

- On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
XX/XX/2018 Central Portfolio Control calls from XXXX asking for XXXX XXXX, I tell them this is not her number, they change the number they are calling from and call again. this has been going on for 4 years that i owned this number. I am not affiliated with this person and I have no idea who she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Every year my private student loan payments increase. I have tried to lower my payments to a more reasonable payment but Navient refuses. I am almost to a point where my loans may default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have attempted to locate the alleged debt and can not find any record of ever creating an account with XXXX XXXX XXXX or Resurgent Capital Services. A debt of {$180.00} was originally reported on XX/XX/2017, stemming from XXXX XXXX XXXX 

I contacted XXXX and they were unable to confirm an account or any balance. 

I've sent letters requesting any of these entities validate the debt, and if they are unable to, then to remove the account from my credit file. I have not gotten any response in over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NC

Complaint narrative:
I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is XXXX. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: WI

Complaint narrative:
On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
This the second time I have had to file a complaint about the same issue. Please reference XXXX and XXXX. 

The company agreed to remove late payment that was reported due to a returned payoff on XX/XX/2018. They have reported the correct information to XXXX, but XXXX  and XXXX still show the late payment. I have been calling almost daily to have this corrected, and I have been told that the information has been sent. XXXX  is still showing a balance of XXXX on this mortgage account. The balance is XXXX. I have disputed this information twice since they have agreed to correct the information and nothing has changed. There should be no late payments and a XXXX  balance on the account. 

Every call starts and ends the same way. The customer service reps do not understand that this is an ongoing issue. I am placed on hold so they can read through all the notes and in the end I have to be transferred to a escalation specialist that does not offer much help either. I ask to be transferred to a manager and they do not call back. The company has agreed to remove the negative information and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Garcadia Financial LLC
State: AZ

Complaint narrative:
I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. 
A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. 

The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed this account XXXX XXXX XXXX XXXX and experian claim to update the information but the status update shows status date XX/XX/2018 and in that case they did not do an investigation for the dispute in XX/XX/2018. This is a violation of the FCRA

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 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2018, I opened a credit card account with Bank of America. My application was in their process for over three weeks until it was approved. I paid my bill on time each and every month. Untill recently I tired to use my card to purchase some gas and it was declined. I called the company the next day, only to learn that my credit card account was closed XX/XX/2018. They told me their risk team closed my account because of my recent credit report score drop. I told the risk team that it was a mistake on this company reporting me as late when I paid them and they misplaced my payment in a savings account instead of on my credit card bill. Then their system automatically reported me as 30 days late when I was not even late. Then I find out in the mist of trying to fix one problem. Bank of America closes my credit card account off of one negative remark on my credit report. This is unfair, because risk management told me I can reapply again. I do not want to keep adding inquiries to my credit report. This new closed account affects my credit negatively also and takes away from my number of revolving accounts and my credit percentage rate. This has had affects on me emotionally and caused me financial damage.

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 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: NY

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed on XX/XX/2018 from XXXX credit report, two credit card accounts issued by Bank of America, which I did not open nor authorize. One of them has a balance of {$9900.00} but XXXX   credit report does not show the account number that I can track. I notified on XX/XX/XXXX to Bank of America Fraud Dept. that I am a victim of identity theft and asked for investigation. Bank of America could not locate these two accounts using my correct full name, social security number, birth date, nor the address. Bank of America told me I need to rely on XXXX for providing full details of fraud accounts to Bank of America to resolve the issue. I have so far disputed this fraud accounts to XXXX, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX appears on my credit report. I am trying to dispute the validity of the debt in the amount of {$620.00}. If the debt belongs to me, within the XXXX and the debt collector is licensed to collect in my state. Debt Collector has no contact information as all numbers have been disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account Number-XXXX Date Reported-XXXX Date Assigned-XXXX Creditor Class-Medical/XXXX XXXX XXXX   Name-XXXX  XXXX XXXX XXXX XXXX Original Amount- {$1500.00} Date of 1st Delinquency-XXXX ADDITIONAL INFORMATION : Collection Account The above referenced account was disputed via online with Equifax and in less than 2 weeks they provided results that stated the account was accurate. However, they failed to provide validation of debt to prove debt is in fact my debt. In addition, this account was determined to not belong to me approx 2 years ago and was removed from my credit report. However, it has resurfaced and they have not provided validation of debt. I was never notified of debt nor do i have any knowledge of debt. 
In addition, I attempted to contact creditor prior to disputing debt and was not able to be assisted. I searched creditor information in attempt to escalate debt as I was told by creditor they were unable to locate debt and found that credit was not authorized to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: OR

Complaint narrative:
In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.

In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.

By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX. 

By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan. 

And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
reporting inaccurate information please correct the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XX/XX/2018 I had sent SUN LOANS a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify Sun Loans of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit report showing information that is not mine please have it corrected

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