vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DRB-40, LLC
State: CA

Complaint narrative:
I have been trying to resolve this issue with Diversified recovery Bureau. They have been calling me, my family members, and friends informing them that I have an outstanding student loan balance for {$2500.00}. I have been speaking to them since XX/XX/XXXX trying to get information about such loan that they are speaking of. On XX/XX/XXXX I finally received an email a 1st notice which was just an attachment letter with the Diversified Recovery Bureau letter head, the amount due and some account numbers didnt specify how or when I received this loan. So I called them back and them that I needed them to send me the actual legal Loan agreement, they werent to happy about that and proceeded to yell and insist that it was going to be a 3 month wait for me to receive such papers that I am asking for. I informed them that I was not just going to pay something that I never received any kind of statement in the mail about or even heard about until now from a collection agency. With that said they kept insisting that my credit score will continue to get hurt by this until it was resolved so if I wanted to wait 3 months that was up to me I told them that was fine I needed the legal documentation before I can proceed with this. The very next day XX/XX/XXXX I received an email from XXXX XXXX from Diversified Recovery Bureau with my enrollment agreement to XXXX XXXX ( that closed down in XX/XX/XXXX ) and a Ledger Card Thats suppose to state such loan. Looking over the ledger card that states I have a {$0.00} balance so I was left confused. I proceeded to investigate and called the department of education, student loan support, and my loan servicer and was informed that no such loan is under my social security. So I spoke to XXXX XXXX XX/XX/XXXX and informed him that I spoke to these and department and they dont see such loan, he then proceeded to tell me that it is not a loan that they are trying to collect but a remaining balance from my tuition that my federal loans did not cover at that point I was convinced there was something wrong. So I called back the department of education and they informed me if it was a tuition fee they are trying to collect they would definitely be able to see it on there end because they have there own collection agencies that handle such manner. They advice me this may be scam and to ask them to stop calling because as far as they can see there is not outstanding balance on my name. They also find it strange that a school that closes down in XX/XX/XXXX is collecting tuition fees. I never opened any personal loans and all my federal loans are in good standing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I contacted Ditech on XX/XX/XXXX to verify that payment for XX/XX/XXXX and XX/XX/XXXX due to the fact that Ditech had reported negatively on my credit. After checking with XXXX XXXX and confirming payments for my mortgage had been sent to Ditech for XX/XX/XXXXand XX/XX/XXXX, I realized they were getting the payments and not recording them. Then they reported on me negatively to the credit bureau. I have since learned this is not the first time Ditech has done this and in at least one case it resulted in a house being put for sale even though XXXX had been making payments. Please help me to resolve this problem with Ditech. 

XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , S.C. XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements 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 explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements 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 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I was contacted by a collector from XXXX XXXX XXXX - XXXX XXXX. The collector advised me I missed a payment and was past due. I advised her that I could not talk at the moment, as I was in the bathroom, but would call back. Later that afternoon, I received an additional text from XXXX XXXX asking for a payment - 2 collection attempts in one day. 

Since then, I continue to receive calls from the company using multiple phone numbers form different states. These calls do not leave messages. 

I called today and requested a Cease & Desist as I find their collection 's practies to be harassing. In addition, I advised I will be filing for bankruptcy and will be paying my retainer later this week. After talking to XXXX, then XXXX, and another employee, I was routed to XXXX XXXX in XXXX XXXX. 

XXXX XXXX advised me that she was able to confirm that my number was removed and advised all future communication would be by mail. XXXX XXXX was unable to provide me details of my previous conversation with their employee on the XX/XX/XXXX and apologized for the additional text I received that day. After ending my call with XXXX XXXX at XXXX PST, I received an additional call from XXXX XXXX at XXXX from one of their numbers - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I went through an illness, I have separated from my wife, but I was able to keep my children. I am well now and tried numerous times to work out something with Caliber Home loans to save my house. It has been difficult. 

I have had to file bankruptcy chapter XXXX to stop the sale. I was working on a part time job for many years and now they have decided to hire me full time. I make a good salary now and I am well physically and mentally. My children are all in school and doing well. 

I am willing to pay a good faith payment and trial payments to get an opportunity to save my house from foreclosure auction on XX/XX/ 2018.

I am willing to work with Caliber Home Loans if they will please give ma a chance to prove myself and keep my home I can afford to make the payments and maintain the property. 

Thank You Very Much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: CA

Complaint narrative:
This is my second complaint filed against TRANSUNION. My first complaint, Complaint Number XXXX, did not lawfully satisfy my issues with this company. This company is misreporting the status and the lien itself. All the liens have been withdrawn by the IRS and I should not have any liens on my credit report. Even XXXX and XXXX REMOVED the liens that were previously reported. I have sent numerous dispute letters to dispute these invalid entries but TRANSUNION refused to comply and remained negligent and none complaint. These are the incorrect and invalid liens that must be removed under the XXXX XXXX XXXX   program and being withdrawn by IRS : 1. FEDERAL LIEN ref # XXXX - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 2. STATE LIEN ref # XXXX -- - Same with this lien, - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. 3. FEDERAL LIEN ref # XXXX - AND THIS ONE AS WELL! - This is not mine! My name, SSN, DOB is not by any means associated with this lien! Delete this immediately! I don't recognize that filed date nor the balance they are reporting. This credit bureau remained none compliant and negligent and I am involving my legal counsel now if these violations were not fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have been making regular, timely payments on my mortgage since it was originated in XX/XX/XXXX. During that time the note has been sold twice -- first from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and more recently to XXXX XXXX XXXX. There were no issues until now, but XXXX is not crediting my payments on time. 

XXXX 's statements arrive on about the XXXX or XXXX of each month, with a due date of XX/XX/XXXX. I always mail the payment immediately. Until XX/XX/XXXX of this year the loan was interest-only, with amounts due ranging between {$330.00} and {$360.00}. I tend to add an additional amount for principal, so my payments total {$500.00}. ( My understanding is that the loan is now being converted to Principal + Interest. ) On XX/XX/XXXX XXXX phoned to say they had not received my payment for that month. To avoid late charges, I send a second check for {$500.00}. Both checks ( # XXXX, dated XX/XX/XXXX ; and # XXXX, dated XX/XX/XXXX ) then cleared my bank on the same day ( XX/XX/XXXX ). On XX/XX/XXXX XXXX phoned again with the same problem : They did not have my payment, even though I had mailed the check on XX/XX/XXXX. I discussed the recurring issue with their representative, who explained that XXXX is not really set up to process checks. She said they prefer electronic payments. This was news to me. I informed her of my check number ( # XXXX ), and as I knew they must have it, I did not send a second payment. 

The check cleared my bank on XX/XX/XXXX. I have now received a Past Due Notice, dated XX/XX/XXXX. 

Possible explanations are that ( a ) XXXX is no longer able to process payments by mail, although I was not aware of such a problem before XX/XX/XXXX, and/or ( b ) they are intentionally delaying processing of my payments in order to force me to pay electronically. 

I can adapt to their new requirement, but I am alarmed that my excellent credit rating will suffer because of a reported delinquency. Also, their late fee of {$17.00} is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
At the beginning  of XX/XX/XXXX, I owed American Express {$22000.00}. During the year, I paid {$6200.00}. At the end of XX/XX/XXXX, I still owe {$19000.00} due to their high interest rates and their penalty fees. They lowered my credit limit to {$18000.00} although I never charged more than my original credit limit. They have collected {$2600.00} in interest and $ XXXX in fees, making their total for the year {$3000.00}, which is 48.6 % of the money I paid each month on my account. 
Because I could not afford to pay the full minimum payment requested some months, American Express termed it a " late payment. '' This misnomer has seriously damaged my credit score, which makes it difficult and expensive for me to borrow the money to pay them off. Is there any law to protect consumers from this practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: AZ

Complaint narrative:
A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: FL

Complaint narrative:
On XX/XX/2017, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/2017 was an account summary that did not include my written consent to do business with this company. I then submitted a notice to Experian, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and Experian are violating my rights under the FCRA by reporting unverifiable information on my credit file. 
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness. 
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX. balance 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 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. 

About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. 

I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. 

I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I recently ( XX/XX/XXXX ) applied for a private XXXX student loan through XXXX XXXX and was denied. In the document they provided that gave their reason for denial ( XX/XX/XXXX ) they said it was because I had a delinquent student loan. 

Upon further inspection I saw that Navient ( under the name XXXX XXXX ) was reporting that I was in default on my student loan from my XXXX in XX/XX/XXXX. I did go into default on my student loan around XX/XX/XXXX because of XXXX  XXXX diagnoses and some rough financial hurdles. However, I did the one time rehab program and got out of default and am now on IBR. I have made payments in the past through IBR, but since I am a XXXX XXXX now it is in deferment. This is through XXXX, they have all my loan info now, and I am in good standing with them. 

Unfortunately, I hadn't really looked at my credit report before, because of that whole getting XXXX three times between XXXX and XXXX years old. XXXX put me in a very deep hole that I have been working very hard to get out of. I thought I had bad credit because of that. And it wasn't until around XXXX that I even felt I had a handle on things again. I just got my first credit card in many years, I had always been denied in the past. It turns out that ever since XX/XX/XXXX I've had this huge student loan sitting on my credit report when it shouldn't have been. And I never even realized it. 

I would really like to get some help with XXXX  school, so currently this being on my credit report is a problem. I've called Navient several times and their automated message recording shuts me out every time. It says something like, you've made too many attempts, and then hangs up. 

I've also filed a credit report dispute with them through XXXX. I don't really know what else to do at this point. 

God, and PS, look at that statement screenshot from XXXX ( showing the same loan that Navient ( under the name XXXX XXXX ) is reporting as deliquent ). It shows the same original loan amount and the amount of interest I have now. Is {$20000.00} in interest normal? XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.

Company response to consumer: Closed with explanation