vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Recently discharge from a chapter XXXX bankruptcy ( XX/XX/2017 ). We have 3 mortgages with Ocwen Loan Servicing and one of three loan # XXXX is one that we are having problems with. This account is showing {$5900.00} as Escrow Balance. The address of the property is XXXX XXXX XXXX, XXXX, Florida XXXX. I request a release of the escrow funds & have been refuse. There has not been an escrow payment attached to this account because of there refusal to make payments to the insurance company & tax dept. I was advised by the attorney to stop the escrow & insurance payments to them. All payments were stopped until the amount sent to them was satisfied, then payments were resumed. We would be satisfied with these funds being applied to the principal of the loan but it should n't remain in an escrow account. Our monthly payments ( principal & interest ) is {$120.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

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 2017-06-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

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 2017-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have written a letter to Experian dated XX/XX/XXXX. A signed certified return receipt for this letter ( document provided ) was on XX/XX/XXXX, requesting that XXXX XXXX along with several other creditors be removed from my credit profile because it violated the 5 day reinsertion rule.
<P/>
Experian has made the changes to all other creditors to date except XXXX XXXX. On XX/XX/XXXX, I received a letter stating that the investigation will be complete on XX/XX/XXXX. This is beyond the 30 day period for reinvestigation. Today XX/XX/XXXX is the 45th day. This creditor was already disputed and previously removed in XX/XX/XXXX, the CRA has had ample enough time to complete this investigation and is now in violation. XXXX XXXX should be deleted just as the other creditors due to the 5 day reinsertion rule.
<P/>
Attached are the documents supporting that the creditor XXXX XXXX was on my profile dated XX/XX/XXXX. Two weeks later XX/XX/XXXX, I received an updated report with XXXX XXXX removed. Thirty three days later on XX/XX/XXXX, I received a report in which the creditor still remains deleted. Currently the creditor has been reinserted in my credit profile. Which is illegal without the debtor be made aware of reason of being inserted.
<P/>
The CRA has not given any letter or has forwarded any validation of this debt however is now informing me in the latest credit report ( see attached ) that even more time is needed to continue to investigate. This is an act of non-compliance of several crediting report laws and statutes.
<P/>
I have provided such evidence that my consumer credit profile is not being reported accurately and fairly by the CRA. This creditor XXXX XXXX must delete this from my credit profile or a civil action claim will be sought out as the next communication.

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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: PA

Complaint narrative:
On multiple occasion we ( members of the family ) tried to close my elderly fathers account at Key Bank. I am a POA and showed up with it in hand and the POA was turned down. The reason for trying to close the account is because after getting into my dads finances i discovered {$1000.00} of dollars in nsf fees. My parents had a very low debt ratio so it was clearly them being elderly and making mistakes managing their money. A financial institution should recognize this and close their account. My dad just passed on XX/XX/XXXX and we attempted again to go close his account and where turned down because we needed a death  cert and a short form which will not happen until me the executor is sworn in.. My dads other bank closed the account with just a death cert and copy of paid funeral bill. Key Bank since has charged him another {$7.00}. This is a disgrace to our elderly and i feel the bank is charging fees to help their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
My father XXXX XXXX XXXX entered into a mortgage with quicken loans in XX/XX/XXXX. In XX/XX/XXXX my father was admitted into XXXX care at home as the doctors said that he was terminal and all they could do is keep him comfortable. My father was put on XXXX, XXXX and other medicine to keep him comfortable. I was my fathers power of attorney. This loan happened while I was at work. My father was not supposed to sign his name while under the influence of XXXX and while under XXXX. He was XXXX and XXXX years old. His social was XXXX. His loan # with Quicken Loans was XXXX. The comps that was used for his home was not in our neighborhood and they were not comparable to his home. I had the house appraised in XX/XX/XXXX and the house appraised for {$230000.00}. I contacted quicken loans when my father passed away and told them he had passed and they told me that I could make the payments which were {$2300.00} per month, remodify the loan and get a lower payment, mind you keeping the {$300000.00}. I could n't do either of those, I ca n't afford {$300000.00} and the house was not worth this and I would n't have gotten a mortgage since the house was n't worth that amount. I decided to do a short sale on my fathers home. I was living with my father, my mother passed away, he was n't well and someone needed to help him with every day stuff. I tried to keep my dads house and quicken loans would not work with me. They had the house appraised inXX/XX/XXXXagain using comps that should not have been used. They used comps that had been totally renovated, my fathers house needed work. Someone purchased my fathers home for {$250000.00} and we settled XX/XX/XXXX. This was the house that I grew up in and should have been my home. When my father passed away, I heard of 3 other people that this happened to with Quicken Loans. I thought that people were protected from predotory loans. So sad that this happened to me and my father and all Qicken Loans did was call me and harass me about my fathers house. They would not let me buy his house on the short sale nor was anyone in my family aloud to purchase the house. Very sad how they operate. I tell anyone thinking to go with them what happened with my father and to not go with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

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 2017-06-21 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: CO

Complaint narrative:
There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services
State: CA

Complaint narrative:
I have been enrolled in an income sensitive repayment plan with  ACS and  when I went to re-new, they are now informing me that i am not eligible because I make too much. Nothing has changed in my financial situation since last year and find it ridiculous that I am now unable to qualify. I also must note that for the past month an a half I have tried to communicate with them about this issue, they had done nothing, responded to none of my inquiries and all I seemed to have gotten was " your application is still being processed ''. Now that I am far behind on my payment, I call and they tell me that I do n't qualify. And now I have a  XXXX  payment which I really ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I submitted the request for an income driven repayment plan 4 months ago and it has still not been processed. I have called Navient multiple time to resolve the issue and to no avail it has still not been processed. Navient has mixed up the paperwork with another request I submitted for consolidation which was cancelled, told me that they lost track of the request and would resend it to their processing department, lost it again and then confirmed with their processing department that everything needed was submitted and then put a rush on the processing, and now they have denied it stating they ca n't use the  XXXX  as proof of income due to a new Federal rule that went in effect in  XXXX  ; even though this was all submitted well before that date and they just failed to process it. This is a major financial hardship for me and they continuously make up excuses to draw out the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
<P/>
This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: AZ

Complaint narrative:
In XXXX of XXXX XXXX XXXX sent me alert that XXXX placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently XXXX XXXX XXXX. In XXXX of XXXX I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, XXXX to see what had happened. I was told when setting up the payment plan in XXXX of XXXX to write a letter to XXXX 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate 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 2017-06-21 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: AZ

Complaint narrative:
In XXXX of 2017 XXXX XXXX sent me alert that XXXX placed XXXX  delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on XXXX of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the XXXX negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XXXX of 2017 I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX  advised me XXXX of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, 2017 to see what had happened. I was told when setting up the payment plan in XXXX of 2017 to write a letter to XXXX XXXX credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate 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 non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.
<P/>
XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.
<P/>
I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.
<P/>
It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver.
Sec. 13.
( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.
<P/>
This process was not followed.

Company response to consumer: Closed with explanation