vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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: CA

Complaint narrative:
I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2018-06-14 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: IL

Complaint narrative:
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status.

Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX  had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX   to collect.

Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment.

The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient.

Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor.

Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX  changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans.

When I contacted XXXX XXXX XXXX XXXX  and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX   and their contract is illegal and should be terminated immediately. They declined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
OK so one I do not have any kind of mortgage Im not sure whats going on with that .two I am not on any public assistance and if I am I would like to know what that is because I have not seen any money from it leaving me quite broke on top of that I cant applying for a loan because theres something going on about some consumer XXXX. I just really want to know was going on here so I can apply for a loan so I get live comfortably. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: CA

Complaint narrative:
AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: CA

Complaint narrative:
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Ocwen Loan Servicing, first wrongfully reported me to be late in making payment by wrongfully allocating the monthly payment towards the principal and then began to charge late payment fees. They do this on a regular basis. PLUS they reported me to the Credit Reporting Agency for late payment, when we did not miss a single payment to them. What they do is simple. In the month of XX/XX/XXXX ( the short month ) any payment received on XX/XX/XXXX for XX/XX/XXXX is  allocated as a " DOUBLE PAYMENT in the same Month '', as they receive one payment on XX/XX/XXXX and another on XX/XX/XXXX. This works each time as I make my payment reach them on the XXXX of the month. XX/XX/XXXX being 31 days and XX/XX/XXXX being shorter in length, they end up getting two payments in that month. So they allocate a payment without your consent or information to the PRINCIPAL balance, as if by mistake. BUT the intent is to charge you late fee of around {$100.00} per month.

WITHOUT MISSING A SINGLE PAYMENT, they have reported me late. My case Number with them ( XXXX ) and NC Department of Justice ( XXXX ) is ignored and they reported me to XXXX as delinquent ( Case No. XXXX  ). They have done this trick for the THIRD TIME. Their Ombudsman lady XXXX XXXX writes long jargon filled letters that do not address the complaint and try to side swipe their customers with fraudulent charges by wrongful manipulations without your knowledge or consent. OCWEN is a corrupt financial institution like XXXX, that is cheating people and has built-in cheating mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP
State: CO

Complaint narrative:
Secured a personal line of credit and personal loan from Key Bank to pay off credit cards. The credit cards were at XXXX XXXX. Key Bank sent a payoff check to XXXX XXXX XXXX, and there was an incorrect account number on the Key Bank payoff check, and so we had to cancel and reissue the check, which took two months, from XX/XX/XXXX to XX/XX/XXXX. Between that time XXXX XXXX   chose to charge interest and late fees, I tried to reason with XXXX XXXX, but they claimed they had no legal obligation to backdate the final correctly labeled check to XX/XX/XXXX given the the first check was incorrect from Key Bank. Key Bank said they would pay the remaining {$140.00} and some change that was the late fees being charge by XXXX XXXX  as a gesture to me a new customer. Key Bank said that they would handle the account from there to close the XXXX XXXX   accounts, and no further action was needed from me.

In XX/XX/XXXX I began receiving phone calls and emails from XXXX XXXX, saying that I had a remaining balance greater than {$400.00}. Saying that I never closed the accounts so therefore they continued to charge late fees and interest. I was very confused given I had been informed by Key Bank that there was a XXXX  balance. I filed with the CFPB for XXXX XXXX, and XXXX XXXX  said that they never received the alleged {$140.00} from Key Bank, and therefore the account was never closed. XXXX XXXX agreed to waive the late fees, acknowledging that this was not a deliberate delinquency.

I then have attempted to contact my local branch repeatedly to get some sort of evidence proving that Key Bank sent the {$140.00} to XXXX XXXX back in XX/XX/XXXX. The manager at my local branch informed me that the amount was sent electronically and therefore there was nothing she could provide for evidence. I have tried calling and emailing the local branch, and asking for contact information for an executive. The local branch has stopped responding to my phone calls and emails at this time.

I need Key Bank to refund to me the {$300.00} that I paid to XXXX XXXX this Spring, the remaining principle, plus interest, minus the waived late fees. I need Key Bank to amend my Credit Report - saying that I was under the false representation that the account was made XXXX, and therefore, the fault lies with Key Bank that my credit score is haggard due to the several transaction mistakes on Key Banks responsibilities.

1. the first check was incorrectly labeled and the subsequent late fees and interest accrued 2. The alleged {$140.00} can not be traced, seen, or acknowledged by either party.

3. Key Bank informed me that they would follow through on the account and that no further action was needed from me to ensure the account was handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Check # XXXX was written in the amount of {$140.00}.

On XX/XX/XXXX, BBVA Compass debited my account {$410.00} for check # XXXX.

I called BBVA Compass customer service on XX/XX/XXXX and asked that it be corrected. I was told it would be fixed and my account would be credited the {$270.00} in 24-48 hours. My account was not credited.

I called BBVA Compass customer service back on XX/XX/XXXX, and was told it would actually take 5 business days. My account was not credited in that time, either.

I called BBVA Compass customer service back onXX/XX/XXXXand spoke with XXXX. I immediately asked for a manager and was subsequently put on hold for over 30 minutes. After over 30 minutes of being on hold, the manager, " XXXX '' would not speak to me. I was told AGAIN, they would credit my account the {$270.00} that they erroneously took out 15 days ago, in 24-48 hours.

I still do not have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I am a veteran of the XXXX. Job moved out of country. House went into foreclosure. NJ Hardest Hit Program approved me for their NJ Homesavers program. Caliber Home Loans refuses to recast the loan even though the VA states that they are able to do it.

My sheriff sale is XX/XX/2018, NJHMFA and the VA are working hard to push this through and they have run into a brick wall with Caliber Home Loans says no to recast of Mortgage.

I will have to go Chapter XXXX  Bankruptcy if things fail to keep me house which is unfair because NJ Hardest Hit Fund has XXXX they want to put on my mortgage with Caliber Home Loans and save my credit and save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I did a money transfer using Western Union from my personal savings account through XXXX. 

I received a MTCN number from XXXX saying my money is been released and I could pick it up. I am currently on travel in Texas. 

I have completed this action before without any problems. However, Western Union is asking for additional verification and a copy of my identification to be sent to their offices. My financial institution knows it is me-i then asked a Western Union to cancel the transaction-but they refused indicating I still had to provide identification. 
I want to cancel this transaction in its entirety under MTCN # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Collection agency name is XXXX XXXX for amount {$400.00}. I sent collection agency a debt validation and they have not responded and reported to XXXX report. Once again this 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 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC
State: FL

Complaint narrative:
I left a review of what I felt was a true and accurate statement of the sequence of events that led me to dissatisfied with their service. The company then posts a reply ( retaliates ) on XXXX that shares my personal financial information about my DTI, the fact that I have a car debt and says that my review is dishonest.

My review : I hate writing bad reviews, but integrity means doing what you say you will do. This lender has given me concern about theirs. I was given a proposal in the middle of the day for 15 % down. All the details were provided on the property and income. I rushed to get the contract signed in order to lock in the rate because of the downward trend in rates of late. After submitting the contract, they found they made a calculation error on the ratios and removed a {$500.00} credit for 15 % down with evidence of mitigating factors. I pushed back and when they came back, they took away the 15 % option altogether and offered to only lock a 10 % or 20 % down. I asked, so you're taking the 15 % off the table? Naturally, the agent was embarrassed by what he was told and said he would call me back when he got it figured out. I again expressed my concern about rates and NOT waiting until the next business day. I was polite the whole time and after all that, he had the nerve to email me the bad news, saying that the 15 % option was off the table. He went dark and has been unavailable by email or phone. It's now almost XXXX ET and he still hasn't followed-up.

Their followup : Aurora Financial Loan Denied : Client wanted a 15 % down payment loan. His Debt to Income ratio was 48 %. DTIs must stay under 45 %. Client was advised 2 days ago to pay off a car loan and we could proceed at 10 % down. His DTI would be under 42 %. Client didn't like that option. Our Compliance Department has verified emails and phone records to prove client was fully engaged and was presented this option. This review is dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CA

Complaint narrative:
I recently addressed illicit reporting of my XXXX XXXX debt to Transunion, via the CFPB Website. Transunion stated an investigation would transpire as affirmed by their response. In the midst of the investigation Transunion updated my XXXX XXXX   Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX.

This is part of the settlement agreement with XXXX XXXX   was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this.

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB.

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.

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 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAM National Arbitration and Mediation
State: CA

Complaint narrative:
Receiving numerous voicemail threats that company will come to my home or my employer to serve me with papers and is going to to contact my employer and failure to be home between XXXX would be considered a refusal of service and lawsuit would continue without me. Also that they would pursue legal action against me. Did not state name of company. However, he did state his name, XXXX XXXX. He called from private numbers but left a number on several voicemails, ( XXXX ) XXXX. No one came to my home and no one came to my employer.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-14 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: MA

Complaint narrative:
XXXX XXXX, account number XXXX, I have disputed this with Experian and collection 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 non-monetary relief