vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
A representative is calling people who are barely acquaintances to me, including cousins I have n't spoken to in six years. There are at least three instances that I know of, and I 'm certian there are more. These people are being told that I LISTED THEM AS A REFERENCE, which is completely false, and being asked about my whereabouts. 

People I barely know are being contacted about my debt/credit problems, they 're being lied to, and my personal finance issues are being humiliatingly broadcast to virtual strangers. 

The name that the organization is giving to them is XXXX XXXX XXXX and XXXX XXXX XXXX, and the contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This complaint is against XXXX and Equifax credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my XXXX and Equifax credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX, 2017, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
My mortgage company, XXXX XXXX, Has not provided a mortgage statement since they assumed control of my mortgage in XXXX, 2017. I have called numerous times over the course of the last month and a half to get the issue resolved. I originally elected to receive the statement electronically through their website. Upon attempting to resolve the issue of my statements not receiving any statements, I inquired about receiving them through the mail. I was told they would be sending them. I however, have not received anything. 

Another issue I have is they have the entire history reported, but only one payment recorded to my credit. I have made every payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: DISCOVER BANK
State: VA

Complaint narrative:
I purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well 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 explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive requested that XXXX stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with XXXX XXXX XXXX If XXXX holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

XXXX XXXX bought and securitized student loans. These securitized notes were then sold to debt investors. XXXX XXXX then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

XXXX XXXX also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, XXXX does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by XXXX XXXX and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following XXXX/XXXX accounts removed from my credit report : XXXXChase Bank account number XXXX. 
XXXX/XXXX - account number XXXX. 
XXXX/XXXX - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: DISCOVER BANK
State: NC

Complaint narrative:
I contacted discover today at XXXX EST on XX/XX/2017 and  spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly Experian 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC
State: MD

Complaint narrative:
I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # 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 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted discover today at XXXX EST on XX/XX/2017 and spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I had the original loan in XX/XX/XXXXwhen I was XXXX years old. The exact amount I am not sure, but I did pay for awhile and then it went into Forbearance due to hard financial issues. In XXXX I guess they consolidated and the balance was {$8100.00}. I have been paying {$94.00} with 6.125 % interest since then. As of today, I still owe {$7800.00} and will not be done with the loan until XXXX. I think the fees are extremely ridiculous! I know I am responsible for some back due interest, but I was told that the {$8100.00} was where I was starting in XX/XX/XXXXand so when I do the math, I have paid over {$13000.00}. I think they are adding fees. I am now XXXX years old and can not believe I still have student loans. 
The loan details I have at attached are with my maiden name. I am in the process of getting that changed. Thank you for your time. 
The school I went to was XXXX XXXX XXXX XXXX XXXX in XXXX Id. They are no longer around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently looked at my credit reports and noticed that Capital One XXXX .... reported negative marks 90 60 30 Lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 )  ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customerand that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation