vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler a ttorneys for   XXXX   XXXX   XXXX   XXXX   claim that a summons and complaint dated   XXXX   XXXX   was sent to an address on file for me in reference to a credit card debt with   XXXX   XXXX  . They are saying that I did not respond to the complaint and that a judgement was entered against me on   XXXX   XXXX   XXXX    .   The address that they are saying the complaint went to is not my address, I have never seen a copy of said judgement or amount claimed to be owed. The statute of limitation in NJ is 6 years so how can these people continue to harass me! I recently received a threatening letter telling me that my wages will be garnished if I do n't respond to this same allege debt and they also had the court freeze my bank account! There are no judgements listed on my credit reports against me and neither is this company with this allege debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.

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 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
During my trial period of a loan modification, I have tried multiple times via email and fax, to reach out to the bank with questions/help regarding the modification. I have received no feedback or responses to my emails or faxes. They specifically asked for a certain document to be filled out and I faxed that document to the bank and  two  months later, they 're telling me that is not the right document the bank has asked for. I feel as if I have done everything they have asked me to do but yet, I get no response.

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 2017-05-18 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:
As seen in the attachment, this account should have been deleted however it still shows on Experian when it was removed from  XXXX  and  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 2017-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blackrock Mitigation Group LLC
State: MO

Complaint narrative:
Debt collection agency named Blackrock Mitigation Group LLC. They have been calling me for the p ast two wee ks, at least 4 times a day, as an unknown caller. Never leaving a voicemail. Finally his " unknown caller '' left a voicemail and said her name was  XXXX . Never said what company she was with or what this matter was regarding. She stated that she had documents for me to sign, and that she has set up a meeting with my HR department. She asked I call her back at  XXXX   XXXX   XXXX   XXXX  before the end of the day. I did not get around to calling  XXXX  back, and so today she calls stating that she has in fact a meeting with "  XXXX   XXXX  '' with my companies HR and she will be discussing my wages and that she has every right to garnish them. Also, since she had no record of me calling her back, that she will take that as a refusal to pay, and therefore action will be taken. I did call this number back after I received this voicemail, and spoke to a  XXXX . I asked  XXXX  what this was regarding, and she stated a payday loan taken out that had not been repaid and that the payday company   XXXX   XXXX   XXXX   was filing a civil lawsuit against me for theft by deception, and a few other legalities she threw out. She stated that my previous bank had denied   XXXX     XXXX   XXXX  's payment withdrawals at my request. ( Which is not true ). She stated that the " courier '' was already out of the office with my papers I was to be served and that this again, was a refusal to pay. She noted calls from   XXXX   XXXX   XXXX   to myself, stating that I told them I would not be paying them back ( also not true ). She then threatened me with seizing my car ( which she knew the make and model ) and also threatened to seize my wages. Also, that I could be arrested at any time. I asked for all documentation to be emailed to me and that I would get back to her on this matter. Lastly, she requested a payment of approx {$1200.00} to have this matter resolved.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: GA

Complaint narrative:
I have se nt 3 letters to  Equifax regarding unvalidated information on my credit report. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Equifax failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bea ring my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
On  XXXX / XXXX / XXXX  a person called me from  XXXX   Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two  years ago on  XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing   in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a  bout to get much worse, ''.     I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: CA

Complaint narrative:
Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
I attempted to make a payment onlver the phone with my debit card in the amount of {$540.00}, but the agents stated that there was an issue with my CVV code. I called my bank only to confirm there was no such attempt at an authorization. I calle d BPL back and att entpted again to process a payment and was told the same thing as before. I eventually settle to have the payment ACHed from my account for {$560.00} for  two  days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been working with Navient and  XXXX  for the past year on an IDR. I have faxed over documents multiple times including pay stubs and the application for an IDR whi ch Navient continued   to say they never received on at least 3-4 occasions each time offering me a 60 day forebearance. On the last occasion I mailed a ha rd copy to the company and finally received an IDR,  XXXX  received my documents however takes several days to process and IDR. They in turn report that additional information is required because the pay stubs need to be within the past 30 days.After supplying current pay stubs the agency requires the same duration for processing as the pay stubs expiration and I repeat the process offering a forbearance each time. The services appear to operating dishonestly by giving the " run-around '' to individuals making due diligent efforts to receive an IDR plan an affordable monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

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 2017-05-18 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: FL

Complaint narrative:
XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  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 2017-05-18 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: IL

Complaint narrative:
Equifax is a fraud. Every time they delete something from my credit report it comes back on after they say they have deleted the item. Prime Example : 1.   XXXX   XXXX   XXXX   XXXX   Was removed on several occasions. I 've included all screen shots. I have a case with them that recently closed on   XXXX   file #  XXXX . On that credit report, it states that this account is currently not reporting on my credit file, however, I 've included a screenshot with today 's date of   XXXX   of my Equifax credit report and I 've also included that screenshot as well. There 's an Illinois Law that protects consumers from the credit reporting agency that protects the misuse of the consumers ' credit file.
To Equifax, On   XXXX   I discovered   XXXX   XXXX   XXXX   XXXX   had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
CFPB I plan to file a lawsuit against the creditor for re-inserting the item under the Fair Reporting Credit Act ( FRCA ). It seems like once I contact you guys about this company and they 're wrongful practice they remove the item and reinsert it connivingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

Company response to consumer: Closed with explanation