vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
We applied for PSLF, student loan forgiveness, last year and were told we had the wrong type of loan. We were told that a consolidated direct loan would work, so in XX/XX/2018 we did that. Now, after spending way too much frustrating time teying to arrange PSLF, we are told it wont work for us. I feel very misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a dispute via Experian against 4 accounts with a company be the name of XXXX on my credit report. The dispute reason being I was no 60 days past due on two of the accounts and that two accounts have been paid off completely. I paid the accounts off in full before the reporting cycle for XXXX, I also was not 30 days past due in XXXX for two of the accounts they were paid before the due date for the month yet still reported as late. Experian gave me the results of the dispute as verified accurate. This is false and is leaving inaccurate information on my report. I would expect that Experian has to only allow accurate information on the reports. Experian failed at making sure and verifying the information was accurate. They should have paid the company verify exactly when payments were made and when were the payments due. This would have given them the information to know that XXXX was not accurately reporting my accounts. Also they have two accounts currently showing balances that were actually paid in full before XXXX reported to Experian. This was not verified yet Experian allows it to remain inaccurately on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Recently ( XX/XX/XXXX ) I had received via mail a document that outlined that my escrow payments have increased this year. Upon closer inspection it was noticed that my PMI contribution has been increased from {$510.00} to {$1000.00}. There had been no late payments this past year and we are uncertain why the sudden increase. Seeing how Mortgage insurance isnt something I can get a lower rate for, I feel as though this is an unlawful change that has me considering going with a new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding LLC is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with Midland Funding LLC. I have never received any correspondence from Midland Funding LLC stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with Midland Funding for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that Midland owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead Midland has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. Midland Funding LLC refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. Midland Funding LLC is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure Midland Funding LLC understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. Midland even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in Midland 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Dealer Services is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: ID Analytics, Inc.
State: FL

Complaint narrative:
In attempting to purchase a new car I was advised derived from my XXXX   report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
XX/XX/19 the Quicken Retention team contacted me regarding the payoff request they received. They proposed they could do better on my new the mortgage for my new home I am set to close on XX/XX/19. I agreed to proceed with the application. In the online application process Quicken asked for my realtors contact info so that they could communicate the status of my mortgage with them. I provided my realtor XXXX XXXX 's name & contact information. On XX/XX/19, XXXX XXXX from Quicken sent an email to my realtor ( XXXX XXXX ) and the listing/sellers agent for the property I am purchasing, XXXX XXXX ( email attached ). This email disclosed that Quicken was processing a mortgage for me on the XXXX XXXX transaction. On XX/XX/19 XXXX XXXX was contacted once again by a Property Appraiser contracted by Quicken to appraise the property. He verbally disclosed he was contacting her to access the XXXX XXXX property for an appraisal for my loan with Quicken loans. At NO time was I asked for nor did I grant permission for Quicken to disclose my relationship with Quicken to XXXX XXXX. I believe this to be a GLB Privacy Violation. On XX/XX/19 I spoke with XXXX XXXX at Quicken 's " Senior Research Executive Offices '' regarding Quicken 's contact with XXXX XXXX. She explained this is part of their regular business practices to contact the realtors on both sides of the transaction. When asked how they obtained the sellers agent info ( as I did not provide it ) she did not respond the question. When pressed about privacy concerns regarding contacting an unaffiliated 3rd party without my consent/permission she stated she is not an attorney and could not comment. At that time I stated she and I had nothing further to discuss and I would submit the complaint to the CFPB for investigation. It is important to note I would not normally be submitting a complaint. However, from my perspective the dealings with the selling agent has been strained and contentious at best and the actions of Quicken have only served to further complicate the transaction & communication. I understand Quicken would have no way of knowing the struggle we have been having with the sellers agent, however that just goes to show why it is important for them to follow GLB Privacy and ONLY contact 3rd parties in which they have express permission from the applicant/borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XXXX and 30 days late from XXXX. They are reporting no derogatory information on Transunion and 90 days late from XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on Equifax. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate information to all 3 credit bureaus. To Experian they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
CAVALRY PORTFOLIO SERVICES is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with CAVALRY PORTFOLIO SERVICES. I have never received any correspondence from CAVALRY PORTFOLIO SERVICES stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with CAVALRY PORTFOLIO SERVICES for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that CAVALRY PORTFOLIO SERVICES owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Instead CAVALRY PORTFOLIO SERVICES has just provided a couple bill statements, I have been advised legally this is not sufficient. Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. CAVALRY PORTFOLIO SERVICES refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. CAVALRY PORTFOLIO SERVICES is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure CAVALRY PORTFOLIO SERVICES understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. CAVALRY PORTFOLIO SERVICES even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in CAVALRY PORTFOLIO SERVICES ' and my  best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/19 PORTFOLIO RECOVERY Associates Reported a collection account on my XXXX   report. Please keep in mind I disputed this collection ( {$270.00} ) With XXXX  and it was deleted as of XX/XX/19. This collection account also shows up on my XXXX report which I am also disputing. They will not remove it from my XXXX  report and I fear the same will happen with XXXX. This is not my debt and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I started with a {$150.00} balance on XXXX. I withdrew {$20.00} from the ATM and made an online purchase for {$29.00}, which left my account balance, {$100.00}. Those charges for the ATM withdraw and purchase were pending but the money was in my account. My car/house insurance came out of my account the following day for {$110.00}. Leaving me with a - {$10.00} balance. I was charged an overdraft fee of {$36.00} for the {$10.00} that I was negative. On XXXX, the pending charges from XXXX, in which the bank had already held for payment and I had the money for on XXXX, posted and I was charged XXXX for each of those. My gym membership ( {$21.00} ) also came out that day and I was charged a 4th overdraft fee for that. I went into the bank and spoke with XXXX XXXX on the morning of XXXX. She could only refund one of the 4 overdraft fees totaling {$140.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2019 at XXXX XXXX ( XXXX ) and on XX/XX/2019 at XXXX XXXX separate letters which both included a detailed police report were received by Experian on my behalf in regards to several accounts that were listed on my credit report due to identity theft. Since the accounts in question have been removed, blocked, or deleted from both my XXXX an XXXX   report. Experian still continues to list the accounts on credit profile which is a violation of the Fair Credit Reporting Act section 605b, 609, 611. These negative accounts are having a significant, damaging impact on my current financial status an impeding the process of my purchasing a new home. I expect Experian to delete the following accounts from my credit file immediately since they have received the proper documentation supporting my claim. 
1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX I purchased tires in the amount of {$660.00} with deferred interest until XX/XX/XXXX. 

XX/XX/XXXX, As soon as I started paying down the promotional balance, it shifted out of " promotional deferred '' with the {$33.00} in deferred interest going into the balance. I sent emails through the online customer service on XX/XX/XXXX, XX/XX/XXXX. 

XX/XX/XXXX Sears charged me an additional {$9.00} in interest on the promotional balance. I emailed again on XX/XX/XXXX. I called customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Initially I was told it would take 1-2 business days to see the credit. On XX/XX/XXXX, I was told it may take 5-10 business days but I am due a credit of {$43.00} in erroneous interest charges. As of XX/XX/XXXX, the matter has not been corrected and it has exceeded 5-10 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX, I sent Citi Bank a certified letter with a settlement offer in the amount of {$1000.00}. I explained my current financial situation and included terms that if the company accepts my check by cashing it they would agree that my account would be paid in full. The settlement check was cashed and now they fail to honor the terms. Prior to me sending this check my account was in a positive status and had never been late. My account has been reported as last to the Credit Bureau. Since XX/XX/XXXX I have been receiving numerous collection calls threatening legal action against me. I acted in good faith, but it appears that your company chose to act in a deceptive manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX XXXX. I have never received any correspondence from XXXX. XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX. XXXX XXXX XXXX owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX. XXXX XXXX XXXX understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX. XXXX XXXX XXXX ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation