vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: TX

Complaint narrative:
On XX/XX/XXXX my Equifax credit report was showing 1 collection account in debt which I disputed and 1 paid negative account. On XX/XX/XXXX my Equifax credit report shows 11 Collection accounts and 2 Negative accounts of Thousands of Dollars in debt. I called several of those collections agencies giving them my social security and my personal information and they dont have me in their records. Equifax is reporting inaccurate all these accounts cause do n't belong tome and they reported all in one day. I need an investigation to be follow towards my Equifax credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.

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 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. 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 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.

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 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.

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 2017-08-23 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: EQUIFAX, INC.
State: KY

Complaint narrative:
All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: KY

Complaint narrative:
All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
A few months ago I discovered that this company was reporting a collection on my credit report. I disputed the collection with the credit bureaus, but it came back as " verified ''. I then sent this company a request for validation and they ignored my request. It is my understanding that FCRA requires that a collection agency contact a consumer and give us 30 days to contest a debt prior to them placing the debt on a credit report. This was not done. Neither did they respond to my request for validation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Since XX/XX/XXXX I have been having problems with XXXX XXXX / Navient with repayment options. I been in positions when I was able to make payments on auto debit from my account but was still receiving late fees on my account even after setting up auto payments. The did not credit me back or take care of this issue which causes me to pay more money toward fees and not even towards my balance. After a few years I went through some hardship and explained to Navient the private loan department my situation, they put me in a unaffordable programs and told me that it was my only option. I made several attempts to keep up with the program and due to rising payment and additional late fees it put me in more hardship. Then I was denied XX/XX/XXXX for lowering my payments again due to hardship from over paying these loans and was sent two documents regarding a lawsuit against me for either not making payments on time or not making full amount payments. I was told even if I pay the minimum I would still be taking to court .. these payments were anywhere from 400- 1000 dollars a month and my yearly income is only barely XXXX Year. I told Navient I would be gladly to pay but I need an option that will be doable based on my income and I was denied and threaten to be sued. They harass my family exposing my business to people in my family I did n't want to know that I 'm going through tough times, they hound and call my phone several times a day. They are calling family members that I never authorized for them to call in case of an emergency. They are saying that they will basically hinder my future if I do n't pay them XXXX a month in late fees..when I originally applied for these loans I was told that these were federal loans and that I would be giving a payment based off my income as little as 0 - 60 bucks. Come to find out these loans are from a private lender and that 's why I 'm being sued. I have been paying on these loans for 4 years and my balance only dropped barley 2,000 dollars after 4 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: OH

Complaint narrative:
On XX/XX/XXXX a person opened a XXXX account using my social security number. I found out about this account on XX/XX/XXXX by checking my credit report. I contacted XXXX directly and they provided me with the person 's name who opened the account ( XXXX XXXX ) and the address where the service has been turned on ( XXXX XXXX XXXX XXXX XXXX, MI ). I reported to XXXX that I do not know this person and I did not give authorization to use my social security number. They told me to fill out the " ID Theft Affidavit '' and send it in, which I did. I contacted XXXX XXXX Police Department on XX/XX/XXXX and spoke with XXXX. XXXX. I filed a police report in the city that I live in on XX/XX/XXXX with Officer XXXX XXXX. The police report number is XXXX. I filed a dispute with Equifax on XX/XX/XXXX and the results came back that they found this account to be " factual ''. At this time, XXXX has not suspended services for the person who fraudulently opened this account and it is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I decided to consolidate my bills due to financial situations I could not control.  I contacted XXXX XXXX XXXX to see what options I had in this matter and decided to go with the company.  I was informed no to have contact with my credit card companies because they would be taking over from that point.  I have been receiving seven to eight calls a day but the once I received a call on my job I felt this has gone too far.  The number that showed up was an XXXX number and a recorded message said, Please hold the line while I connect you I waited and the person on the other end said is XXXX XXXX and I said it is pronounced XXXX.   He went on to say he was from Synchrony Bank and asked about a payment, I told the man that I had consolidated my bills and during this time, I had customers and co-workers within a foot from my desk.  I tried to whisper because I did not want everyone to know my business but it keep replying, what did you say as if he could not hear me.  I told him that I have told you once and provided the number.  He told me that he was not calling and informed me of a payment that was do and again I gave him the same information and told him he cant hear because his phone keeps clicking.  I started to get upset and my tone was beginning to change so I hung up.   When I got off the phone, I was embarrassed.   While I was sending this complaint, I received another call.  I NEED my job!

Contacted my job dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Contacted my cell: XX/XX/XXXX , XX/XX/XXXX (6x)   XX/XX/XXXX (9x)  XX/XX/XXXX (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX (6x)  XX/XX/XXXX (8x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (10x) XX/XX/XXXX  (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (4x)   XX/XX/XXXX  (1x) so far

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hewitt-Capital
State: TN

Complaint narrative:
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation