vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your office.

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 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had an  XXXX   XXXX   XXXX  account in collection. I paid the collection agency with a discount and they sent me a letter stating that the debt has been paid in full. However, Experian still reports the debt as in collection. They argue that the debt has to been paid in full, although I explained there was a discount, and the letter explicitly says that debt has been paid in full. I would like Experian to remove that debt from collection.

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 2017-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had this account since  XXXX   XXXX . I alway s ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS ) a ccepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 2017-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Hello, The Borrower has been approved for a short sale which was scheduled to close on  XXXX . During a review of the preliminary title report, there were liens on the property which the Borrower believed to have been dismissed in a bankruptcy which the Borrower filed in   XXXX  .  <P/> Upon further investigation, even though the money owned on the liens were in fact dismissed by the Court, since the liens had been filed prior to the  Borrower 's bankruptcy, the liens remained on title. Thus, the Borrower was not able to produce a c lean title and consummate the close of escrow by  XXXX .  <P/> In order for the Borrower 's to produce a clean title, they hired an attorney to re-open their bankruptcy case and file a Motion to Remove the Liens. The Court granted the motions on  XXXX  ; however, the Bankruptcy was only closed on  XXXX . During the period of the Bankruptcy, the Buyer 's lender was not able to process his loan because the property was still under Bankruptcy protection. Thus, the Buyer 's lender asked for an extension to  XXXX  in order to allow them adequate time to process th e Buyer 's loan. The lender has scheduled a Trustee Sale  on  XXXX  ; however, they declined the Borrower 's request for the extension.  <P/> My broker, escrow, title,  the Buyer 's lender, the HOA have al l put our best efforts to close as scheduled ; however, there have been unpredictable circumstances beyond our control that have preventing us from doing so. The parties have actied in good faith and the delay in closing in not a result of any willful neglect or negligence.  <P/> Thus, the Borrower hereby requests that his request for extension be granted so that he can conclude the short sale. Considering all the facts that have prevented him from closing sooner, we are confident that we can close the transaction before the sale date of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: AL

Complaint narrative:
SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN XXXX. AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION XXXX XXXX XXXX XXXX XXXX. THE NAME USE IS XXXX XXXX A FEMALE WHICH I DO KNOW A XXXX XXXX. I AM XXXX XXXX. ( MALE )  I PROVIDED EQUIFAX WITH A POLICE REPORT DATED XXXX WHERE I FILED WITH XXXX POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY XXXX XXXX XXXX PROVIDED EQUIFAX WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE XXXX XXXX XXXX UNTIL AROUND XXXX / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME. EQUIFAX IS STILL REFUSING TO REMOVE. I CONTACT XXXX XXXX ( XXXX XXXX ) AND THEY ADVISED ME TO DISPUTE WITH EQUIFAX FOR REMOVAL. EQUIFAX DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO EQUIFAX. SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO EQUIFAX. I NEED HELP WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am unable to upload documents in support of my credit dispute to Experian.com. Their upload form is broken. I 've tried 5 different browsers ( latest XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) and followed their instructions precisely but continue to receive the same error which lacks any explanation of the problem. I called their customer support number but they have no menu option for dealing with disputes or technical support. The recording says only to mail in a communication along with numerous identification documents that I do not have.

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 2017-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have asked my relationship manager,  XXXX   XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated  XXXX / XXXX /  XXXX  . I have tried calling  Ocwen  customer support and  Ocwen  's Ombudsman office, but no  one  other than the relationship  manager  is allowed to speak to me regarding my account and he does n't respond to my requests.  Ocwen  's legal law firm,  XXXX   XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on  XXXX   XXXX  addressing the concerns that were not addressed in my last complaint. As of  XXXX   XXXX , he has not responded to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: CO

Complaint narrative:
This company states that I wrote the check on  XXXX / XXXX / 2013 . They are now trying to take me to court. I have tried explaining that I am on  XXXX  and do not have the funds to pay them up-front, but I would gladly make payment arrangements. They would not accept my offer. Today I was contacted by a Law Firm stating I was being taken to court. I ca n't afford this and the SOL date has passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Payday loan 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: Integrated Recovery Services
State: AZ

Complaint narrative:
I 've been working with this " company '' since   XXXX   XXXX   ,2017  to pay off a loan the final balance was {$340.00 } (  original loan company  XXXX   XXXX   XXXX   ) the y set up monthly payments of {$60.00} which I made  XXXX  payment that came to {$240.00}. Everything was going smoothly, made my monthly payments time. Then on the  XXXX  of this month they hit my account. I was concerned and called the company ( spoke to  XXXX   XXXX .. if that is his real name ) and let him know that my account should n't have been hit till the end of the month. He informed me that the previous " agent '' that worked with me no longer works there and that he set up the payment. I asked "   XXXX   '' what is my balance, he stated that I owe {$190.00} but he 'll offer me {$150.00} which will be my last payment on the  XXXX . I thought about it and thought it was fair enough. Early Tuesday morning I got a bad feeling that I was going to be billed more than what I owe. I checked my bank account and counted the number of payments I have already made and made the conclusion that I owe  XXXX  instead of {$150.00}. I called the company back and spoke to this   XXXX   guy ( which is unprofessional ) and ask him why I am being billed {$150.00}. He stated that I made  XXXX  payments of {$50.00} not {$60.00} and there was a {$10.00} transaction fee. I was n't aware of this from the previous guy. I asked  XXXX   XXXX  why he told me before I owe {$190.00} when my balance from   XXXX   XXXX   XXXX   was {$340.00}. he told me There are interest charges!!! The original email they have sent me show that I owe  XXXX ! No interests included! I got mad and argued with him and told him that I googled the phone number and read negative reviews and demand him to give me their website. He spoke in a low tone like he knew that I have caught on. I cancelled my card that they have on file. I am afraid they will take more than {$150.00}. I do n't trust this company and the people that work there. Unprofessionalism and rude.I now know not to work with companies that are n't BBB accredited. I have the original email they sent me if you would that. I will NOT give them anymore money! Few of their phone numbers are  XXXX  an d (   XXXX   )   XXXX . The address I have found is  XXXX   XXXX   XXXX   XXXX  #  XXXX    XXXX    ny  XXXX . They still call and talk like I do n't know about the loan  XXXX   XXXX  and a   XXXX    XXXX  I believe. I 'm so fed up with them and so annoyed with myself to believe them. They will not get anymore of my money. The attachment is the letter they emailed me but I can not view it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: NY

Complaint narrative:
I 've disputed this for 8 months now and am getting nowhere. I am going to be contacting a lawyer this month if this is not removed from my credit report within 15 days and then Experian will need to come up with all of this documentation during the discovery process. There are 3 accounts reporting that are incorrect and must be removed immediately. This is my 2nd complaint against Experian and nothing was done to assist me by the Consumer Financial Protection Bureau ( I would make a complaint against you guys if I could! ) or Experian. No one is holding Experian accountable for their extreme abuse of power and something has to be done about this immediately. XXXX XXXX XXXX XXXX XXXX, XXXX These 3 accounts are the result of identity theft and I did not at any time apply for, use, obtain or authorize these accounts. I have already explained to the credit bureaus what happened and that another person with the same name was given all my information by an employer that we both worked for and he opened multiple accounts, obtained vehicles and even went to jail with my information! Section 609 protects me against false reporting by the credit bureaus and therefore, you must send me the actual paperwork that was filled out when this account was opened or they need to be removed.
Section 605B protects me against identity theft. Send me the paperwork that was filled out when these accounts were opened including my original signature and copies of the identification provided. If you do not have this paperwork ( which you do not have and can not obtain ) then you must remove these items Section 1681 protects me against inaccurate and incomplete reporting as well as false reporting by the credit bureaus which is why all investigations must take place to ensure that there are accurate and complete accounts on my credit file # 1 XXXX XXXX XXXX XXXX account # XXXX You are in violation of all sections listed above. Send me the documentation that proves that I ever occurred these charges or applied for this account. In addition, you have 2 years of late payments after the account was closed. That makes no sense and is not even possible. # 2 XXXX XXXX account # XXXX & XXXX You are in violation of all sections listed above. Send me the paperwork that was filled out including my original signature or remove this immediately. I did not apply for or open this account. Also send me the handwriting analysis that you performed.

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 2017-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
I used  Charles Schwab  's Bill Pay to make payments on a  XXXX   XXXX  loan that I had paid current since  XXXX . In  XXXX   XXXX  I set up the account to autopay the loan through the loan 's final payment in  XXXX . Instead of doing what it was supposed to do, the system overrode the date I put in and set  XXXX   XXXX  as the final payment date. In  XXXX   XXXX ,  XXXX   XXXX  sent a letter threatening collections, and that was when I first became aware that  Bill  Pay had failed. I paid the loan payments current, and then had the  Schwab  rep get on the phone with the  XXXX  rep. The  Schwab  rep said that the error was likely a  Schwab  system error, but refused to send a letter or email to  XXXX  because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers.  Schwab  now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony.     My husband 's  credit score  was negatively impacted, and our interest rate on our new home ( closed in  XXXX   XXXX  ) was adjusted upwards as a result. The additional annual interest charge is over {$2000.00}, and we are requesting that  Schwab make us whole on the increased cost. My husband and I gave ample warnings about the effect of  Schwab  's erroneous reporting, and were consistently ignored.     The contact at  Schwab  is  XXXX   XXXX , Managing  Director  - Banking Operations at  Charles Schwab  Bank. Her phone number is  XXXX . She has refused to discuss my account with my husband even though it is his credit that was affected.

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 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
account was settled {$660.00} for {$360.00} and paid as of  XXXX   XXXX ,  2017  and was deleted by  XXXX   XXXX  with  XXXX  and the debt was re inserted into my credit report with  XXXX  by  XXXX   XXXX  again.

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 2017-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I just hate that BBBA COMPASS take so long to complete transactions to where it causes overdrafts. You can have the money in the account per what it says is available, twice I have had this problem. It takes forever to update your account and direct deposits. I have talked about thi s on three occasions and I removed my overdraft option. They are slow on updating the accounts and they need to update their systems.

Company response to consumer: Closed with explanation