vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with XXXX balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

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 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
A collection has shown up on my experian and XXXX that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have XXXX at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for experian and XXXX to remove this inaccurate collection from my accounts.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have applied for XXXX loan forgiveness numerous times, and was given unclear reasons for denial. Now, the most recent re-submitted application is past the 60-day review window and still has not been reviewed or forwarded to the DOE. I was told when I called in XXXX that the application would be forwarded by XXXX I was told on XXXX that it had not even been reviewed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JMD,LLC
State: CA

Complaint narrative:
I was in a car accident and was deemed not my fault. I incurred medical bills. I had insurance even though it was not my fault. The other party had insurance. All the insurance information was provided for both parties. 
I hired an attorney that contacted each vendor and explained that there was litigation in process and that it was illegal to report any debt until the actual debt responsibility could be determined. 

We disputed the debt even though they had NEVER disclosed the debt prior to placing it on my credit report. We disputed the debt through the vender who gave us High Desert Creditors info. In spite of our disputes, written attorney correspondence, and repeated follow up I find ( when I apply for a mortgage loan ) that High Desert Creditors IGNORED our disputes and reported the debt anyway. I may lose my fantastic rate because it dropped my scores approximately XXXX points. I have now suffered monetary damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: DC

Complaint narrative:
THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: VA

Complaint narrative:
I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
I purchased a home XX/XX/XXXX for {$59000.00} and I have only been late on payment XXXX time ( XXXX days ). I recently looked at my mortgage statement on XX/XX/XXXX and my balance is showing {$64000.00}. I have called and spoke with several people, I have been transferred to several departments, and even asked to refinance and put my appliances under warranty. I went as far as going downtown to get my original deed and suggesting that I fax it over so they can correct their mistake. The lady transferred me again and stated that the escrow department is closed and call tomorrow. I can say that everyone that I have been transferred to in the past week as been polite, but has not been helpful. They have offered others warranties, refinancing, and shopping for other home insurances. Now it almost XX/XX/XXXX and I still have not received a phone call back regarding how I purchased a house in XX/XX/XXXX for {$59000.00} and now it is XX/XX/XXXX and I owe {$64000.00}. Also when I called back in the earlier part of XX/XX/XXXX this year to inquire about this matter, I then receive my XX/XX/XXXX and XX/XX/XXXX mortgage note and it had XXXX. I pay $ XXXX/month and now my statement is saying $ XXXX/month. Please help me to understand what is going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass ' Bankcard Collections Department placed a hard credit inquiry on my credit report on XX/XX/2017 which has lowered your credit score with XXXX by XXXX ( XXXX ) points. I have not requested a loan, credit card or any financial service from BBVA Compass for them to put a hard credit inquiry on my report. I request the Bank provide a letter to XXXX requesting that the Bank 's hard credit inquiries be removed. I also request that the Bank refrain from performing any additional hard credit inquiries on my credit history with any of the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
the attached letter was sent to Equifax but all XXXX credit bureaus are reporting XXXX digit mortgage account numbers for my mortgage loans and student loans that have been discharged and forgiven since per letters to that effect which my attorney has fro mthe us dept of education and all the loan servicers. 

XXXX now is retaliating by not applying my payments that they hold on to now allegedly for two weeks in order to allegedly get late fees and manufacture defaults like XXXX and other sewer service XXXX trust servicers. 

so the new York attorney general announced that all XXXX credit bureaus have agreed to get rid of false information that they are being paid to maintain by XXXX and XXXX for loans I never applied for and have no loan docs for and no settlement docs for and the y both violate the national mortgage settlements with us do justice. 

please see attached letter to Equifax from my attorney XXXX XXXX regarding XXXX that i have filed now XXXX complaints against with the uscfpb. 
Your submission, [ Case number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've had XXXX different fico scores for the past XXXX months from XXXX differentcompanies. 
XXXX ( via XXXX card ) = XXXX, XXXX ( via auto dealer ) = XXXX, Equifax ( via XXXX ) = XXXXI was denied credit from the XXXX due to my fico scorechecked by them. I 'm a XXXX in need of a used car and ca n't get itbecause of my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Acquistions, LLC
State: TX

Complaint narrative:
Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CA

Complaint narrative:
AES students loans was paid since 2014, the AES, tranfered to citizens bank, as I file a complaint to citizens bank, and they lower it {$9000.00}, they told me, the citizens bank, will contact, the AES, so they will removed the report in the credit report, I can not afford to pay the credit repair company, Im XXXX, XXXX, did not to there part, there case number before here in XXXX was XXXX. I did called XXXX XXXX, but he told me to sent the copies of the credit report, they should do this long time ago, after they cashed the payment of the said student loans.

Company response to consumer: Closed with explanation