vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint in XX/XX/XXXX. In regard to my Credit Protection Disability Insurance Plan cancel by Capital One. 

I am writing to appeal the decision of my claim # XXXX, the date of service XX/XX/XXXX. This in regards to the Capital One cancel my plan. Capita One need to correct/ reinstate my protection plan. It was my understanding when I call to activate the Insurance Plan it was cancel by Capital One without my knowledge. Furthermore, due to my research Capital One decided, to start cancellation on their preexisting client in XX/XX/XXXX. I did not receive notification of any cancellation. Apparently, this need to be resolve and corrected. I respectfully ask you to reprocess my complaint to find a resolution regarding this matter. 

Secondly, I did receive a reply for Capital One, in XX/XX/XXXX, they did not address the issues in regards to my Protection Plan being cancel. Only to stated that they found all charges on my Credit Card to be correct. My complaint was not related to charges made. My complaint was due to cancellation of my Credit Card Disability Plan Insurance. I needed to activate plan, due to my unexpected Medical Health Issues that cause me to be terminated. Thank your for your reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: AES/PHEAA
State: MD

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my loans in repayment ( Loans 1 and 2 ) under the Pay As You Earn ( PAYE ) plan were moved from repayment to forbearance status without my knowledge or consent. On XX/XX/XXXX, XXXX representative XXXX confirmed that this was standard practice, despite the fact that XXXX previously assessed a payment under the PAYE plan towards Loans 1 and 2 on XX/XX/XXXX. Upon escalation, representative XXXX also informed me that this is standard practice and that XXXX ( my prior servicer ) essentially messed up and should have put me in forbearance instead of repayment. A XXXX  representative confirmed with me at approx. XXXX EDT on XX/XX/XXXX that I did not recently request any loans being placed on forbearance and that the loans in question were in repayment status under PAYE before they were moved over to XXXX  . I never requested a new forbearance to be applied to any of my loans this year. As I am working towards PSLF, I had to request the forbearance to end, but they informed me that, despite those loans having already been in repayment, interest capitalization would occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an account that I have with XXXX XXXX. I exercised my rights with Experian credit bureaus electronic dispute option. Experian returned a completed result which was a blatant deception to me the consumer. Experian stated XXXX replied on XX/XX/2019 showing account owe XXXX. Well I spoke with XXXX and they informed me that that information was never rendered, this account has been marked closed 30 days prior and that the dispute dept never received a request for updated account information. Experian continues to deceive the Americans community with fake dispute outcomes. Experian isnt responding to my request at all. Just an automated completed of investigation email. Experian needs to be held accountable for this blatant deception.

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 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Started in XXXX of this year with them putting force placed insurance on my property when I already had insurance in place. They did an escrow analysis with the force placed insurance and upped my payment almost {$200.00}. I advised them that I had insurance, me and my insurance company sent them documentation showing proof of coverage and they still havent removed the forceplaced insurance and still have not corrected the payment amount as of today. They indicated they were going to redo the analysis ( 2nd time ) but of course, they didnt remove the forceplaced insurance and the analysis came back that I needed to pay more to escrow. I received a notice yesterday stating that I needed to make an additional escrow payment to cure the deficiency. I called and told them that they were going off the incorrect escrow analysis and that my payment was still not correct. Of course the person said let me check on that, and again, a third escrow analysis has to be done. Nothing is going to change unless they remove the force placed insurance and then do the escrow analysis. I am so tired of dealing with this. I just want it done so I can sell my property and get away from Shellpoint Mortgage. It has been a nightmare ever since they took over my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, PORTFOLIO RECOVERY, XXXX XXXX, XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got a summons to appear about a debt that I thought I had paid off years ago, after I had been out of work for a year due to XXXX around XXXX have paid several credit loans off, I called to set up a payment plan. They wanted XXXX , so I got a bank check from Wells Fargo and mailed it to the Law Office of XXXX XXXX XXXX in XXXX XXXX ( XXXX ). Wells Fargo, today removed the remaining XXXX $ in my checking account and created a XXXX $ overdraft. I went to the bank at noon to put a stop payment on the bank check and they refused, I paid the XXXX $ to be able to close the account, and they still refused to close the account. I would have been happy to set up a payment plan, but not after this and I will do no more business with Wells Fargo. My court date is XX/XX/19 and I'll need that XXXX $ for a lawyer. Like I said, I would have been happy to set up a payment plan, but not through Wells Fargo. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My student loan account recently switched from Navient to XXXX XXXX because I filed a XXXX XXXX. Immediately prior to the switch, while at Navient, none of my loans were in forbearance. Loans received from attending XXXX College were placed into repayment ( as I desired and planned for ) under the PAYE plan and this was confirmed speaking with a Navient representative at approx. XXXX EDT on XX/XX/2019. On XX/XX/2019, representative XXXX at XXXX XXXX informed me that Navient should have placed my XXXX loans on forbearance because I had other loans in a grace period. XXXX required that I ask them to remove the loans from forbearance that they put into forbearance between XX/XX/2019 and XX/XX/2019, even after taking a payment under PAYE on XX/XX/2019. As such, I was required to ask to be removed from forbearance on XX/XX/2019, contributing to a larger interest capitalization than if Navient had originally placed my account on forbearance as XXXX would have suggested is normal procedure. 

If Navient had put me on forbearance upon my XXXX loans coming into repayment, I would have requested to be off of forbearance sooner and thus would face less interest capitalization ( if this is indeed standard practice as XXXX suggests ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: MT

Complaint narrative:
I have been disputing the same account on my credit file with XXXX, XXXX and Experian. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.

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 2019-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have had several leases with GM Financial. I have even worked with a GM dealer and had direct daily dealings with them. They are by far the most unorganized unprofessional auto finance/lease company that I have ever worked with, they can NOT handle the volume. One of my leases I sent 3 payments in to pay ahead. Thinking that I was paid up until XXXX they had never sent me a statement. So 3 months later I called to verify next payment due and they told me I was 30 days past due, they never called, never mailed never emailed me to let me know that they were claiming I was past due. How is a customer that had 3 current leases at one time with there company not get a phone call or a statement to let me know my {$200.00} lease payment is past due, really what a joke. They swear up and down they sent statements. I can promise they never sent me a statement nor did i get a phone call. I will never lease a GM vehicle again if I have to lease from GM Financial or there affiliate bad credit company XXXX. They should forget GM and stick with XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CA

Complaint narrative:
I contacted XXXX XXXX XXXX collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX financial department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a XXXX  XXXX  from my XXXX. ( See attached Document from XXXX XXXX 's ) I have never had any procedure to my XXXX. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX and XXXX XXXX removed it immediately, but Experian left it on. I have disputed this three time with Experian since, and Experian continues to let XXXX XXXX XXXX collections dictate the outcome despite the letter from XXXX XXXX 's. Can you please help me to remove this item off Experian Credit Report? 


Thank you for your consideration,

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 2019-03-20 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: CA

Complaint narrative:
I am very disappointed with the companies Equifax and XXXX. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and Equifax and XXXX refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that EQUIFAX AND XXXX  understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting equifax and XXXX  to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
PHH Mortgage Services recently acquired ( XXXX-XX/XX/2019 ) my mortgage from XXXX.

XXXX provided PHH Mortgage Services with a summary of my mortgage and escrow amounts. PHH Mortgage Services in my first payment to them since their acquisition of my account increased the amount of my escrowed amount, applying extra to my insurance escrow and " other taxes ''. However, my insurance had not increased and what " other taxes '' were they collecting funds to pay. PHH told me they were collecting for an escrow reserve. However, when I pushed they told me they were aware of the " problem '' and would be evaluating my account. They also stated that even though XXXX had provided them with my mortgage and escrow summary, they did not follow that report and alternatively collected more money than was necessary. So, they took money from my bank account that I did not owe. I call that stealing and I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: MT

Complaint narrative:
I have been disputing the same account on my credit file with Transunion, XXXX and XXXX. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on  my credit report, and they still wont remove it.

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 2019-03-20 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: MT

Complaint narrative:
I have been disputing the same account on my credit file with XXXX, Exuifax and XXXX. The account was opened in XX/XX/XXXX. It was paid off in XX/XX/XXXX per my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XX/XX/XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on my credit report, and they still wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/ 2019 I contacted Navient regarding private student loans and being placed in a 100 % discretionary repayment plan called an " interest rate reduction payment plan '' due to being recently unemployed. I had gone through this before with the company in which they lowered the interest rates from 12 % to 2 % for 12 months if i set-up auto pay. This time they would only offer to extend the terms of my payments ( currently paid for 7 years, have 15 years of payments remaining ( initially entered into a 15yr loan ). Then they came back after another 20 minutes on hold and offered me 7 % for 9 months and 3 more scheduled payments at 12 % in which they need bank account information/ debit card information. In the future they try to auto debit from bank accounts without permission. I refused and was denied any sort of repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: NC

Complaint narrative:
I purchase this car in XX/XX/XXXX and keep the car until XX/XX/XXXX at which time I did a volunteer repo. The car was sold to me at XXXX and at the present time XXXX still say I owe XXXX in which I paid {$420.00} per month for five year and the car was sold. They will not tell me Im which the car sold for.

Company response to consumer: Closed with explanation