vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been trying to work with the loan company Navient. I am unable to pay off my loans at this time do to personal problems and a family situation that has not allowed me to work at this time. I also have been studying for my licensing exam for my XXXX so I can get a job to pay these loans back and that has taken time. 
The company has spend the last year calling and harassing me, my family, friends, and friends of family members that I don't even know. They call them and me multiple times a day everyday for almost a year. 
I called the company and explained my situation to them four times and asked them three of those times to stop calling me multiple times daily. This request was not granted after they said they would put me on a no calling list. 
Now they are harassing me telling me they will take me to court if I don't pay a fee of {$150.00} to be put into one of their programs, money I do not have. 
I told the woman I would try and come up with the money by the end of XXXX and she agreed. However, she continued to call me, family, and family members friends ( such as my sister in laws father ) to try and get the money even after we had agreed to give me a months time to come up with the money. 
I called her back to try and figure it out and then she called me today threatening that if I don't pay the {$150.00} to be put into a program today that they are done trying to " help '' me. 

The company has my contact info and has no right to be calling family members and people I don't not know to get money from and sharing my private information about my loans. 
I have literally received hundred of phone calls in a month spanning for almost a year. 
I had to change my phone number it became so bad. 
I do not know how to come up with the money and I do not know how to stop them from threatening me and harassing me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
-Currently reporting inaccurate information on my credit report. 
-Currently reporting the same account under two different account numbers. 
-Both accounts are missing important information, account was paid in full for less amount -I have been denied a Mortgage due to the impact of the two inaccuracies -XX/XX/XXXX dispute was faxed and I have called to get updates. I haven't been able to get any useful information other than being told we have 30 days look for a response around XXXX XXXX. 
- Account was paid XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: CASHCALL, INC.
State: CA

Complaint narrative:
Im a victim of fraud and I want my financial freedom back. My complaint is against CASHCALL account # XXXX, date open XX/XX/2015, balance {$0.00}, status paid and closed. I already tried disputing this with the company and they still have not remove fraudulent account from the 3 credit bureaus ( XXXX-XXXX-XXXX ) violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my 3 report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to CASHCALL alerting them that this account has fraud charges. In the case that  the account still remains in my report I will take legal action against CASHCALL. This is a clear violation to my financial rights and to the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX  fraud inquiries from XXXX XX/XX/XXXX XXXX XXXX on dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX also transunion has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  XXXX and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX these all need to be deleted

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 2019-06-27 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: OH

Complaint narrative:
Equifax and XXXX  are reporting incorrectly ( 60 ) days past due on the XXXX XXXX  partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found recent late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get 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 2019-06-27 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: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I do not owe XXXX  University or XXXX XXXX XXXX. Amounts shown on the statements I uploaded show {$300.00} payment made back to XXXX XXXX for {$1200.00}. And that I have a zero balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have constantly received phone calls from this organization with different phone numbers. I received a phone call on Sunday at XXXX XXXX   local time. I confronted them how I believed this to be illegal. They hung up on me. They attempted to reach me today and would not verify who they were until they tried gathering information from me. When I would not verify any personal information because I did not know who they were, the woman began to get argumentative and rude to me. She finally stated she was calling from Portfolio Recovery. I responded back saying that it was illegal not to identify that it was an attempt to collect a debt from the very beginning in the conversation. She kept arguing with me and stating that I was wrong. I am tired of them calling from different numbers on a daily basis. I tried resolving this a year ago, and they would not work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST
State: TX

Complaint narrative:
sent ftc claim with the police report XXXX  and XXXX  took is off but of course XXXX  didn't b/c of their breach

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 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 60 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit 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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Was called by portfolio recovery associates and the caller said they are trying to collect a debt from XXXX XXXX. When I asked the caller if Portfolio Recovery could produce a contract that I owe them the money She said that they bought the debt and the contract and I know owe the debt. I told her that I am disputing the debt and that they have no right to report this to the credit agencies and she told me that they are going to continue to report this and were going to continue to call me even thought through letter dated, XX/XX/2019 to Atty. XXXX XXXX XXXX MA who said he was representing Portfolio recovery, and phone called today XX/XX/2019 @ XXXX XXXX EST. I told them to stop contacting me. When I told her that I was going to end the call she said that they would continue to contact me and that I could do whatever with the call and then she hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting incorrectly that I am ( 120 ) days past due on the US DEPT OF EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11, 15 and 16 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A has put me on the corner with high mortgage rates causing me to lose my home. I have four mortgages including line of credits with B of A since years ago. I tried twice to refi them with the same bank to lower the rates and different terms but B of A unfortunately refused to do so due to their substandard management, processing and underwriting Dep,, although my credit is good. According to their underwriting guide lines I am qualified to pay almost {$7800.00} per month for about {$880000.00} loans but I am not qualified to pay about {$5000.00} per month for the same amount of loans at lower rates and different terms.

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 2019-06-27 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:
sent ftc claim with the police report XXXX and XXXX  took is off but of course Equifax didn't b/c of their breach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
On Friday, XX/XX/2019, at or about XXXX, an agent of GM Financial proceeded to trespass on my private property. The vehicle was a XXXX XXXX XXXX with license plate number XXXX. A XXXX XXXX, mid early XXXX and with XXXX  XXXX  was seen on the property within the XXXX XXXX taking photographs and surveilling the property. 

The residence is equipped with security cameras and monitoring equipment that can place this man and vehicle on my property without permission. Photographic evidence is attached hereto for review. 

At or about XXXX on the night in question, the Connecticut State police were called regarding the incident to observe and report the facts. The police were given photographic evidence of the trespassing vehicle and a description the driver. 

Vehicle finance companies and their agents are strictly forbidden by state and federal laws from breaching the peace in the performance of debt collection efforts. 

Additionally, under Connecticut General Statute Sec. 29-152u and 29-153, any private detective, natural person or corporation, must be licensed by the state to perform this type of work, especially that which involves the location or recovery of property. 

GM Financial DBA Americredit, and agents, engaged in private detective work, as defined by Connecticut law, without a valid license from the Commissioner to do so with the intent to threaten, harass, and intimidate a person for the sole purpose of collecting a debt. Vehicles with mounted cameras and surveillance equipment on private property is breaching the peace and creates an environment threatening and intimidating to the residents of the property, especially to the XXXX ( XXXX ) XXXX   children who reside there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Never got a notice - I have excellent credit - chase closed my acct for nonuse - said they mail one notice which i never got - i learned acct was closed when checking my credit report -which now is dinged from this - NOT RIGHT and Chase will not fix the issue they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to Equifax and XXXX  ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX  and Equifax. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: CT

Complaint narrative:
In XXXX of XXXX, I totaled a car purchased with a loan issued from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX  and Experian ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both Experian and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX 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 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I have old debt that is too old to collect on and is no longer on my credit report. I have no collection items on my credit report. The statute of limitations has already passed. I have made no contact with this company at all. I would like them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA
State: WI

Complaint narrative:
I ctc what I thought was Fedloan servicing it was in fact Fedloan service. 
I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX  XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? 
XXXX  XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA

Company response to consumer: Closed with explanation