vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
My existing mortgage companies escrow department was asked by my new lender for a pay off statement, they then froze my account without telling me which allowed my taxes to become delinquent, I was then fined {$170.00} by XXXX XXXX. 
From what Ive been told by people in the industry this is illegal and that they have an obligation to pay the taxes that they have collected from me right up till money is transferred.

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 2018-12-13 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: NC

Complaint narrative:
I went to access my three credit reports and when I got into EXPERIAN report it would not let me out until I created an account for monitoring. XXXX EXPERIAN?

I thought the only way to get my last transition report was to create an account which I did?? It then kicked me off the site. I tried approx 15 times and finally I was able to access transition account.

When I kept trying it did not ask me to log in. When I looked over my reports the following day XX/XX/XXXX XXXX EXPERIAN WAS ALREADY ON MY REPORT. Today XX/XX/XXXX I received an email from experian asking me if I wanted them to search the dark web for info regarding my social security number use or my personal information.I did.not open the images. Now I have many disputes that I wanted to notify the credit reporting companies but I don't feel safe doing that right now. I have court in XX/XX/XXXX for a divorce hearing and I need a lot of info from those reports. What should I do.

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 2018-12-13 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:
( XXXX XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2018-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by XXXX ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call Ford for that. I did and was put through to their collections. They told me that XXXX was told to suspend collection activities on XX/XX/XXXX due to account review. I called XXXX back and told them what Ford told me. I was told that Ford doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that Ford suspended collection activities the week before she acknowledged it and I was told to call back when Ford adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.

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 2018-12-13 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance. 

I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX , XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX 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 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IN

Complaint narrative:
I have been trying since XX/XX/2018 to get my loans recertified for an income-based repayment program, and due to errors by the servicer ( XXXX ), my recertification was delayed, and now, I have been placed into an inappropriate repayment plan. 

My recertification request, with my tax return and my spouse 's tax information, was submitted on XX/XX/18 ; after a request for additional income documentation on XX/XX/18, I provided that information the same day. 

On XX/XX/2018, I was notified that my request could not be processed, and on XX/XX/2018, I received a letter informing me that the issue with processing my recertification request was because my tax return had not been provided. I called XXXX, and after a discussion with Customer Service, it was agreed that my tax return had already been provided and that my application would be sent back for review. 

Despite repeated attempts to check on the status of my recertification, it took weeks longer for my recertification to be processed, and on XX/XX/2018, I learned of a new issue. My recertification was approved, however, after it was determined that I did not qualify for the repayment plan that I requested, and rather than placing me into a repayment plan with the next lowest payment ( IBR ), I was placed into REPAYE, which because it includesmy spouse 's income in its calculations, will increase my payments by approximately {$850.00} higher than IBR, the lowest repayment plan I qualify for. 

Per the XXXX representative I spoke with, my only option was to start the process over again with a new recertification application ; even though they had failed to follow the instructions of the program requirements of placing me in the lowest repayment plan I qualify for ( since I did not qualify for the one requested ). 

Unless I pay more than I should be having to pay, I will now be losing the ability to make qualifying payments for at least the next month, if not longer. There have been repeated errors and delays with the processing of my recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TX

Complaint narrative:
XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2018-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX  is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX  lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
The jackbooted thugs of MONARCH RECOVERY XXXX have called us at XXXX pm on XX/XX/2018, at XXXX pm on XX/XX/2018, at XXXX am on XX/XX/2018, and at XXXX pm on XX/XX/2018. 

I believe that 4 consecutive phone calls with no msgs left in my voicemail constitutes harassment. 

We are seniors and have no outstanding loans nor debts. We have even told these thugs via email to please stop calling our home phone number, yet these tyrannical bullies won't stop calling. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX XXXX XXXX XXXX http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TX

Complaint narrative:
( XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
WESTERN UNION FINANCIAL SERVICES , INC. XX/XX/2017 somebody used my name and at western union money transfer signed me as Co signer for there personal guaranty with my consent amount I came to found out is this person used me as an Co signer Western Union Financial Services , Inc. in connection with a debt our client claims to be owed to them by XXXX XXXX in the amount of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
A representative made several calls to me offering a fake settlement on the account they claim i owe money for. Asked for letter in writing n was never recieved..asked to speak to someone in management was unsuccessful. The statue of limitation to collect a debt n Texas is 4 yrs..they always call n never offer official documentation about the debt

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 2018-12-13 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: Credit Karma, LLC
State: NE

Complaint narrative:
My father and I have the same first name, middle initial, and last name. We've lived at the same addresses as well. He just moved, and now my credit shows his new address as mine. This isn't correct, and I want it changed back to my correct address please. I dont need any more mix ups just because we share the same name. I just went through a garnishment because of him, and i dont want any of his things negatively affecting my credit that uve worked on for years now to get in good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am in the process of paying off the card but it has now been restricted unable for use, and fees continue to accumulate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX car from XXXX in XX/XX/2018 I was told the amount I was purchasing was for XXXX. The day I drover off the lot I notice that the vehicles sun visors an a seat belt clip where broke and turned back around I went back an brought it to the attention of the sales rep who had sold me the car and he said that he was going to try and get the sun visors replaced I was later on contacted buy a lady stating that the sun visors for a cosmetic fix and that it was my responsibility to get them fixed two weeks after that the CBC axle started going out on my car and I expressed it to them and I was told once again I would have to go to another place and have them check it out and I would have to schedule the appointment for me to do that so as I had the car more things started going on with it and I contacted them also to see if I can get my payment switched from weekly to bi-weekly and they refuse to actually switch it in told me I had to pay a whole entire month all in advance before I could even get my car payments which according to my paychecks my car was later on repossessed because I could not do the weekly payments because I got paid bi-weekly and when they repossessed my car they actually destroyed property at the XXXX XXXX to repossess the car I later on just went and picked up my belongings and now they are still trying to come after me for {$15000.00} of the car when it was priced at {$10000.00} all of the papers and everything showing of what I was supposed to pay for it I also have quite a few witnesses that can attest to my statements being accurate so I would like to find out what I could do to have it removed off of my credit being that I was sold a car that was basically defective and had things going on with it and it was not worth {$10000.00} and I was a first-time car buyer

Company response to consumer: Closed with explanation