vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I had previously disputed via CFBP portal that XXXX XXXX XXXX added a collection to my credit reports a collection that had been previously discharged in a chapter XXXX bankruptcy. They removed the trade line in XX/XX/XXXX. On XX/XX/XXXX I received a collection mailer from XXXX XXXX XXXX to settle to amount that again was previously discharged in my chapter XXXX bankruptcy. I also saw on my credit report that have viewed my credit reports without my consent nor my knowledge. I need for the to stop harrassing me and to stay off my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Cogent Road, Inc.
State: CA

Complaint narrative:
I was Contacted by mail from XXXX about a ReFi, I spoke with a man there about rates and he asked to see my tax returns. I Asked him Twice not to run my credit but he did regardless because my social security number was on my return. He was extremely arrogant about running my credit telling me he had to to see what rate he could get. I asked him not to. I want to File A Complaint with this shady Business. FUNDINGSTE XX/XX/2016 FUNDING SUITE XX/XX/2016 FDNG STE XX/XX/2016

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 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: IL

Complaint narrative:
I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Earm LLC
State: TX

Complaint narrative:
On or about XXXX/XXXX/2015, I received a voice mail from XXXX ; they were looking for a party other than myself. I promptly contacted the number, inquired about the company ( MAC ) and informed the representative that I would very much appreciate if their company made no further attempts to contact me, and to do so would be considered as a violation of my right to privacy. On or about XXXX/XXXX/2015, I received another call from the same number. I repeated the steps taken in the first call. On or about XXXX/XXXX/2015, I received several calls from an " unknown '' number. Contacted XXXX ; was informed that they had in fact called and would continue to call. So, I continued to call them. After s-e-v-e-r-a-l calls, I began being threatened with law enforcement, litigation, and was even threatened with calls at XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 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: TX

Complaint narrative:
For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit 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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Improper inquiries were placed on report and not properly investigated by Transunion. 
As followed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized accounts have not been verified after several request XXXX acct # XXXX XXXX acct # XXXX XXXX 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 explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: VNU Group, LLC
State: CA

Complaint narrative:
Dear BCFP Complaints Department. 

This is a complex situation. 

I did try to resolve this with the vendor. They went completely non-responsive for a long time. 

I appealed to The State of California Department of Business Oversight and I was assisted up to point of action against the vendor and that help was in progress with ATTY XXXX with CA XXXX in XXXX. In the end, after a long period of not hearing of any progress, Ms. XXXX wrote me to inform that the matter was outside of CA XXXX Jurisdiction. I found that confusing. 

I need some help. 

I returned the product. I deem the Lease Agreement now cancelled. 

In due course, now that I know the product has been received via insured delivery confirmation, I will write, as appropriate to all the Major Credit Reporting Bureaus in an effort to have the truth of the matter is understood before the vendor takes any action against me. 

XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been the victim of Identity fraud where my credit has been pulled multiple times. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. I have gone as far as contacting the companies that are in question and they refer me back to the credit bureau. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2017-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is AGAIN, a blanket complaint of all XXXX bureaus! 
Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! 
I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! 

So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau ( crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! 

Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF XX/XX/XXXX TO XX/XX/XXXX. I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within 15 business days from today. 

CFPB, do YOUR job and assist me with this, as this has been going on since XX/XX/XXXX. 
I await your responses... 
I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFUL TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT

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 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EMPIRE MEDIATION SERVICES LLC
State: PA

Complaint narrative:
Called my son-in-law earlier today, and also my daughter later this afternoon and stated that if I did not call by XXXX a warrant would be issued XXXX. He knew the last XXXX digits of my social, and my birthdate, which he shared with those that he called. Stated he was a private investigator. Reverse phone look-up indicates Empire XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
During the middle of XX/XX/2017, I applied for the Brand Source Card at XXXX XXXX located in XXXX XXXX. I spoke with a customer service representative via phone to verify all of my personal information ( SS #, DL #, etc ) including my income. My information was verified via the Credit Bureau. I was approved immediately for a {$4000.00} credit line to be used solely at XXXX XXXX. Fast forward to two months later, and they are currently requesting my income tax return when my credit limit is not even high. I called their customer service department today and advised that their business is shady and they only approved me for the credit card in order to finalize the sale with XXXX XXXX. I advised the representative, who did not identify herself, and gave her my authorization to speak to my wife. She advised my wife, that they were notified by an outside source that my income had changed significantly and that is why they are requesting our income tax return. Since I experienced identity theft before, I do not feel comfortable sending my tax return information to this credit card company. I advised the representative to close my account. It is unfortunate that XXXX XXXX has lost our business. With all due respect, this is a store credit card. I have owned several credit cards through out my life and have never experienced this bizarre and unethical situation with a credit card company before. I researched Brand Source Store credit card issued by Citibank and there are several negative reviews posted by account holders which describe shady business practices.

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