vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX Amount : XXXX Company : Caine & Weiner Complaint : I was attempting to pay off a debt through this agency and I stated that I was willing to pay the debt as long as I obtain a validation letter stating the amount that I owe. The collection agency stated that my debt was closed on XX/XX/XXXX and said that because of the small amount of the debt and because the debt is " old, '' that the only way I could pay for the debt is to do an express pay on the Caine & Weiner website. When I requested that I would get transferred to another agent, the second agent stated that they were not able to fulfill the request of a validation letter due to the account being old and having a small amount. I told them I can't pay the debt off unless I receive a document and they stated that they will have to hang up the call and that the amount due will be there in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: FL

Complaint narrative:
I have several accounts on my credit report that do not belong to me : XXXX : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In or about XX/XX/2018, our mortgage with XXXX  XXXX XXXX was sold to ShellPoint Mortgage Servicing. Due to our pay schedules, we have been paying our mortgage ( even with XXXX ) after the XX/XX/XXXX of each month but never in arrears. We are not behind on payments. However, Shellpoint has taken to harassing telephone calls ( multiple times in one day and at all hours without leaving any messages ) in violation of Mass Consumer Protection Laws and the revised mortgage laws ; has been hand delivering letters ( not in-hand service or mail ; just leaving letters jammed into our door which is not considered good service in MA ) threatening to commence foreclosure actions ( even though we are not even 1 month behind ). Additionally, in XX/XX/2018 I received notice from our homeowners insurance company that ShellPoint had failed to make our yearly homeowners insurance payment on time ( ironic considering the circumstances ). We pay by phone and the company offers no options to pay additional amounts, as we used to do with XXXX, therefore our late fees are accumulating on top of our principal. Lastly, no Assignment of Mortgage is on record for our XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
XXXX has been paying my insurance and i am not sure how these medical bills went to collection in the first place. I called the hospital and said that XXXX should have paid and they said they would not send to collections. I do not remember who i spoke to though.

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 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I have noticed hard inquires on my credit report that do not belong to me. I had called XXXX who is handling things on their end and advise for me to contact the company that made the inquire. I have done so, I had called First Advantage/XXXX XXXX along with the company that states I filled out an application XXXX XXXX   XXXX, but passing the buck that I need to contact the other to get this removed. I did not apply at XXXX. It was an error that First Advantage/XXXX  XXXX who put this on my credit report. After speaking with a representative from First Advantage/XXXX XXXX they veified they had the correct location we applied to but also had a 2nd location that was added. I informed the rep we never applied to XXXX she said contact them. I contact XXXX, she said contact First Advantage. Both are passing the buck. 

They also did a hard inquiry 2x on the same location within 8 days of each other. ( see attached ) This is the location where I did apply and move into. I asked to have one removed since they inadvertently inquired 2x for the same location. Only to get push back and them refusing to do so blaming it on the property management. 

You will see in the hard inquire the place I moved to and applied XXXX XXXX and XXXX XXXX  XXXX are 4 days apart, but after review the locations each are 3 hours drive in distance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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:
I have several accounts on my credit report that do not belong to me : XXXX  : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several accounts on my credit report that do not belong to me : Experian : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: LA

Complaint narrative:
XXXX XXXX XXXX has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However XXXX XXXX XXXX  continues to report fraudulent information over and over. The account has been closed and written off for many months. However XXXX XXXX XXXX continues to increase the balance and even know there is no payments due XXXX XXXX XXXX reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to XXXX XXXX XXXX. So if the account is closed and charged off, written off and it shows no payment is due. How can XXXX XXXX XXXX continuously report that my payment is late and how does the balance increase on a closed account.

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: ID

Complaint narrative:
Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: TX

Complaint narrative:
My credit card was gotten by someone on internet, found out card was cancelled and now the company is going after me for charges someone else did. Told them card numbers were stolen even signed affidative to the fact, and they got my email and phone number now are harassing me for payment, This needs to stop,

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
In XXXX, I ended my contract with XXXX when I moved away from their service area. I paid the termination fee, as needed. I paid this via the website, per usual. I'm not sure how wires got crossed ( or if they did ), but XXXX now claims that I did not pay the termination fees. In XXXX, Diversified Consultants, a debt - buying collection company, bought the alleged debt from XXXX, and began pursuing collection. In XX/XX/XXXX, Diversified Consultants sold my debt to another debt - buying collection company, XXXX XXXX , XXXX . This has caused damage to my reputation via my credit reports. I have disputed this multiple times and it keeps coming back to haunt me, because it has not been removed from my XXXX  nor XXXX  credit reports. I just want this to go away for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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 — Was not notified of investigation status or results
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.

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 2019-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CT

Complaint narrative:
I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my Equifax and XXXX  ; and I'm assuming my XXXX  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave Fairway permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: MI

Complaint narrative:
In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
On XX/XX/2018 my loan was transferred from XXXX  to Flagstar bank. On XX/XX/2018 Flagstar received my completed modification application from my previous servicer XXXX  and provided me with written notification. I received many documents from Flagstar that it will take them 30 days to review my file and update me on what is needed or if a decision will be made. It has been over 30 days and I have yet to find a letter from Flagstar requesting an extension to review my file or in need of extra time to review my completed file.

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 2019-01-25 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: CA

Complaint narrative:
XXXX XXXX {$410.00} I've filed a dispute I believe it was fraud I didn't even live in the same state at that time I lived in California and it was an Arkansas that they were charging me for the light bill

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 2019-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WILSON & ASSOCIATES, PLLC
State: TN

Complaint narrative:
I've paid my first trial payment XX/XX/2019 for my mortgage modification though XXXX XXXX. There is a property foreclosure sale date set XX/XX/2019 and I'm in a mortgage modification. Wilson & Associates the foreclosure attorneys was contacted to cancel the property foreclosure sale date. They refuse to cancel property foreclosure sale date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: Bliksum, LLC
State: DE

Complaint narrative:
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.

Company response to consumer: Closed with explanation