vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have contacted Dpt ED/Navi they reported on my credit that the loans, they were supposed to make the correction to my credit report as the loans are reporting two or sometimes more for the same amount. It was explained that they would make the correction, but as of XX/XX/2019, the updates has not been made. When calling I am getting the run around such as call SallyMae, then I am referred back to Navient. Which the Dept ED/Navi are the people reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: IL

Complaint narrative:
I never authorized a credit inquiry by XXXX XXXX on XX/XX/2017 but my TransUnion report says I did. I called XXXX XXXX to dispute the inquiry and have it deleted and they said they have no idea of any such inquiry as it does not show on their records. I then called back TransUnion to have it deleted but to no avail.

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 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
JJ MARSHALL & ASSOC File Number : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because the total is inaccurate and I have been continuously harassed with phone calls from the company since early 2018. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not fully owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I have contacted XXXX & XXXX several times provided all of my information and was told that I was not in their system, however, the keep reporting on my credit, I have requested sign documents if they have an account and have not received any documents from this company. You are reporting on my credit incorrectly, You have been informed of this several times by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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:
CFPB Case # XXXX against XXXX XXXX/ XXXX : XXXX XXXX acknowledged their inaccurate reporting of a 30 day delinquency and sent CFPB and myself letter acknowledging the inaccuracy to be removed ; Experian initially removed this error however it has now reappeared ; I have disputed this error with Experian , called Experian, and Sent the CFPB Letter to Experian via Certified Mail yet the inaccuracy continues to appear - Please help me resolve this inaccuracy I have worked tirelessly to keep all credit tradelines current and to make sure Experian and XXXX XXXX Are reporting accurate information thank you.

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 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have called several times get nothing but recordings ... when i did reach a rep it no greeting and all she said a bit rude was " can I help you '' uh ok ... the whole issue was THEY PAID A HUGE AMOUNT of escrow flood insurance to the wrong provider ( I had terminated the policy ) and had called days before to the insurance dept ( they pick up usually ) and told them the new policy number and I would call them to activate it ( I had 45 days ) so they paid on the XXXX a policy that expired on the XXXX? they did call the company and bring me in for conferance ( 1 point ) the insurance company knew nothing about the payment being sent to them and thought the same " I had cancelled '' loancare has promised to " stop payment '' if not Im contacting a lawyer ... XXXX for a policy I can get for XXXX? nope .... I too was aquired when " XXXX   '' went belly up ... not happy! 
LAST COMMENT THEY DON'T DO EMAIL AT ALL!!

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 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performance SLC
State: HI

Complaint narrative:
XX/XX/2017 i have a student loan and was looking to apply for student loan forgiveness and XXXX XXXX and/or Performance SLC offer to help me and and charge for a service fee. They told me if i pay the fee then my student loan will be wiped away. i felt for it because who wouldnt want to be free from student loan. my bills from XXXX went to XXXX , i was excited and assume that my loan i gone. but after 2yrs XXXX contact me to recertify. but then i still have my loan left knowing it only went to forebearance. and now im paying the {$2500.00} charge fee and i have to be back paying my syudent loan at the same time where i could have use the charge fee to help pay my loan. i want to cancel the service but ive been searching online hoping there's help from students like me that fell for this scam. atleast they could refund the charge fee or atleast stop taking money from my account. please help i couldnt afford anything paying all this useless service when i could have done it myself for free. this company are misleading student like me so desperate to be forgiven from student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: TX

Complaint narrative:
State of South Dakota is reporting I have a collection for XXXX XXXX I have disputed this account multiple times. Still remains. I dont have XXXX in South Dakota. I never been to court for XXXX XXXX   in South Dakota. I dont have any XXXX XXXX  orders.

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 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
BORROWER RECEIVED ESCROW ANALYSIS WHICH GAVE BORROWER 2 OPTIONS /BORROWER CHOSE OPTION BE AND SENT IN ELECTRONIC PAYMENT THAT WAS RECEIVED BY PENNY MAC OF XXXX BELOW IS THE ACTUAL POSTING FROM PENNY MAC WEBSITE XX/XX/2019 Payment {$620.00} {$0.00} {$0.00} {$1600.00} {$240000.00} THE BORROWER BY CHOOSING OPTION B WAS INFORMED THAT THE XXXX PAYMENT WOULD INCREASE TO XXXX EST WE NOTIFIED PENNY MAC THAT PAYMENT WOULD BE FORTHCOMING AND EVEN RECEIVED AND EMAIL BACK CONFIRMING PAYMENT RECEIVED.NOW PENNYMAC WANTS TO INCREASE THE PAYMENT IN VIOLATION TO XXXX!!!! THIS IS NOT CORRECT AND DEMAND IS MADE .NOT ONLY DID PENNYMAC TAKE THE ESCROW SHORTGAGE MONEY THEY ARE TRYING TO INCREASE PAYMENT TO XXXX WHICH IS ONLINE WITH OPTION A WHICH BORROWER CLEARLY DID NOT TAKE. PAYMENT SHOULD BE XXXX!! 

also the second complaint is that we prefer a paperstatement now their institing a fee if you male apyment between the XXXX and XXXX of every month if you pay online if ypour not enrolled in paperless billing.we were told by XXXX XXXX XXXX the loan originator that there will never be a fee for papestatement sand or any type of fee or penalty there of. borrowers dont have ready access to a computer, to add insult to injury penny mac has rhe gaul to do this and increase are payment unlawfully.the knickel and diming of americas middle/working class continues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I have been with Atlas credit company over 3 years. I always made my payments on time and never fell behind. Now I am facing a hardship situation due to the decline in pay on my job which makes my finances and overall bills hard to pay. I told them that I was trying to consolidate all my bills so that I can do something regarding the balance on the account but XXXX XXXX stated that they didn't take consolidation payments and needed full payment. They have sent people to my house with business cards and have constantly called my job for payment. He stated that he would take me to court and that they would send the police to my job if I didn't pay. XXXX and another customer service rep has said that I would be served on my job and sent a petition letter to my house but no court date was on the letter. XXXX has called a numerous times on his personal phone call as well requesting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear CFPB, Back in XX/XX/2018 I made an order online and the merchant is oversea however I had not known the real name of the seller until I received the confirmation of the order in 30 minutes after I placed the order I absolutely regretted about my order with the merchant because I was disappointed about other order that I made before XX/XX/2018. After I received the confirmation and I knew the real name of merchant I contacted the Paypal credit about the problem I got with the merchant because I wanted to make Paypal credit know that if I got wrong item I would return them with merchant return/shipping cost. Later I received another confirmation from merchant once items shipped with items details and there were wrong size items this was my second time got trouble with the merchant. 
Why I mean the merchant real name above because my second order with XXXX   they are holding fake name ; they are same as one with my first order. Then I received package a month later and I returned it back however I did not open package because I knew they were not ones I want. I made dispute with Paypal credit but they keep asking for my responsibility to this purchase. I do not think it is right. I am seeking for your help and I look forward to receiving your response. Thank you. 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 monetary relief
Consumer complaint received 2019-04-18 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:
On XX/XX/2019, I submitted a dispute with Experian for an account that is too old to remain on my credit report -- XXXX XXXX XXXX XXXX that starts with XXXX. The account had already been removed from my other two credit reports due to age. On XX/XX/XXXX, I received an update to the investigation. Experian made no changes and refreshed the date on the account to XX/XX/2019, thereby making the account brand new again.

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 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and I have notified the original creditor XXXX XXXX and the collection agency Southwest Recovery Services. During my divorce proceedings the judge ruled that this account is not my debt as my identity was used to open this account by my ex-husband. I have disputed this account with XXXX as well and they refuse to remove the account from my file. Account # XXXX in the amount of {$6300.00} opened on XX/XX/2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AP

Complaint narrative:
On or about XX/XX/2018 I initiated contact with Freedom Mortgage to start a deed-in-lieu on my home in upstate NY after dealing with over 20 different property managers who stole from me and abuse their licenses to include repeated bad tenants. The last tenant pushed me over the edge of pursuing a deed-in-lieu. After months of submitting paperwork over and over finally I found a realtor that was able to get a potential buyer. This DIL process was changed to a Short Sale that has take up a lot of time due to misplaced paperwork and the bank attempting to rush me into a foreclosure that would ruin my military career. Needless to say I am still in the process of a short sale with Freedom Mortgage underwriting department while the regular customer service department is totally disconnected from what has been occurring with my account ( XXXX ). For the last eleven months my account has been in a default status due to the pending DIL or short sale. The bank told me several times that my account status would not be reported as delinquent to the credit bureaus since I am protected under XXXX until recently they they were made aware of the short sale. It is my assumption that Freedom Mortgage is trying to negatively impact my credit score and status twice since the short sale will decrease my credit score on top of the previously reported delinquent status reported for XXXX through XXXX with the month of XXXX reversed. I have called over 100 times and was told something different each time. From we are reversing the process to we cant reverse the process.

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 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
My loan was sold to another company. Purchasing company didnt submit my insurance coverage and my insurance was cancelled. My rights were violated because they placed the burden of re-establishing insurance on me. I had insurance before this transaction and was paying the premiums. I feel targeted because I am 100 percent XXXX senior veteran. My financial responsibilities were intact before this interruption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: TX

Complaint narrative:
For the last 6-8 months I have been in communication with Equifax about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. Equifax within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax credit report showing the accounts : XXXX XXXX XXXX # XXXX ; XXXX # XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX ; UNKNOW NAME # XXXX. 
The accounts referenced above Equifax refuses to delete from my credit. It seems that Equifax doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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: GREAT LAKES
State: IL

Complaint narrative:
On XX/XX/19 made an excess payment on my student loans. This payment was not applied to the loans with the highest interest rates despite my account settings being set to do so, and despite the loan service 's website claiming that excess payments are applied to the highest interest rate by default. They ignored both my preferences and their own guidelines. 

This is not the first time I have had this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney Lustig, Glaser & Wilson PC. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts XXXX laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18 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: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX misinformed me and by using what I consider a dishonest scheme, my payments over 9 years have not paid down my principal amount. My total payments to date have all been applied to interest. During that time I've made consistent payments by automatic withdrawals. It appears that without my consent, I was placed under a repayment plan that wasn't paying down the principal amount. 
I reached out to understand what was going on with my payments and I got no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The Barclay 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and Barcalys. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

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