vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
I can not take my personal and bussiness credit report for free and I think I 'm a victim of fraud, but I can not control it. Also, my problem is that I have been out of the  US  for about a year and making phone calls is difficult and very costly. I need your help.

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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Please refer to CFPB complaint #  XXXX  and #  XXXX . I have been working to get a Deed in  Lieu  or Foreclosure process  ( either one )  done with Shellpoint Mortgage for almost t three  years now. They approved a Deed in  Lieu  yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in  Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help.     I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!!     Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: OK

Complaint narrative:
Dates :  XXXX  > present Amount : {$52000.00} We have been extremely disappointed in the lack of support we have received from  XXXX   XXXX  / Navient in regards to our efforts to obtain refinancing and repayment or forgiveness options related to an enormous student debt. This debt has been an indescribably heavy burden for my family for over  XXXX  years - it seems outrageous that any company would allow individuals to suffer under the weight of a debt related to obtaining an education. We certainly did n't buy a boat or take vacation with that money! At this point I 'm at my wits end as to how to satisfy a loan that is over  XXXX  decades old ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
TItleMax repossess my truck in the month of  XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by   XXXX   XXXX  . see below   XXXX   Georgia  XXXX   XXXX   XXXX  - COMMERCIAL CODE ARTICLE  XXXX  - NEGOTIABLE INSTRUMENTS PART  XXXX  - DISCHARGE AND PAYMENT  XXXX  - Tender of payment O.C.G.A.  XXXX   XXXX    XXXX    XXXX   XXXX . Tender of payment  (  a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.      (  b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.      (  c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.    Disclaimer  : These codes  may  not be the most rec

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit report has an incorrect address. The address on the report is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , NV. Other than when I was in the  XXXX , I have lived in   XXXX   my entire life. Associated with this L.V. address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX  and  XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    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 non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I used my  American Express    XXXX   XXXX   XXXX   to pay for a rental car at  XXXX  in  XXXX , CA on    XXXX   XXXX   XXXX     . {$170.00} in damage occurred to the vehicle that I did not do. I did not purchase their insurance because this particular card has the built in insurance to pay for these types of things. AMEX assurance has refused to pay saying that my card is not in good standing which is totally wrong as I pay off my balance monthly and have an   XXXX     credit score  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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:
I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TX

Complaint narrative:
I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Commercial Services, Inc
State: OH

Complaint narrative:
on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a notice from Citicard stating that my  Mother m  ay  be entitled to a refund for an optional debt protection program which she  may  have unwittingly been enrolled and charged for. I went to their website to enter her information to indicate she was deceased and could not get any further information. I have questions on where I would find these charges, if her estate will be given a refund and how much. When I called I was just told they had not information for me at this time, blah blah blah. I feel that my   XXXX    Mother  may h ave been scammed by a large unethical corporation and I want them to be held accountable.

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 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls 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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am not sure what debt is from. I called company listed on credit report that state they did not 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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage was sold from  XXXX  to Carrington, they are adding a fee of {$560.00} to my payment, I contacted  Carrington  who said this fee was moved over from  XXXX , I contacted  XXXX  who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact  XXXX  to confirm that this was a mistake from their said and that it has been corrected.  XXXX  will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX   address are bills from  XXXX   XXXX  and  XXXX   XXXX   XXXX    XXXX    XXXX . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    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 non-monetary relief
Consumer complaint received 2017-05-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Per  XXXX  this account in on my credit report. It is connecting to a name that does not belong to me.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On three separate occasions over the past 90 days have requested a free annual credit report from Experian credit reporting agency as available pursuant to federal regulations under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ). On three separate occasions they were unable to provide same and requested additional identifying information. On each of these three occasions I provided a written response which included all of the requisite information. Nevertheless my now fourth request for a copy of my Experian credit report was denied again requesting the same 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 explanation