vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I often have problems paying my mortgage online with LoanCare LLC. First you login, it kicks you offline, repeatedly. Then once you  can successfully stay logged in, then the site starts to ask for a new password because its been over 28 days since your last password change. Then, you endure 10 minutes of the system booting you out again with the new password. Once you get in, you have no way to click on paying the bill. It just doesn't allow you. I took video of this..its comical. I would be happy to submit it. I called in, was informed it was a one hour wait, then the call disconnects after 20 minutes. If this was once off, nothing to see here. But this happens often. As a result of these malfunctions, they will hit me with a late fee. My payment was due the first of the month, I usually pay on the XXXX cause its around the due date of my other bills. After reading reviews on XXXX and XXXX XXXX XXXX, I am concerned about with whom we have our mortgage.

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I talk to them told them this is not my debt and could they please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I spoke with them told them I never had a account with that company and never had apartment with them. I have ask them to remove it because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: OK

Complaint narrative:
I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time. 
In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track. 
Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments. 
In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years. 
Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan. 
Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
After resolving an issue with Honda involving the abuse of a POA, HONDA and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving Honda was partially responsible for the vehicle being unlawfully possessed, HONDA instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX or progressing due to the account still negatively impacting my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX  or progressing due to the account still negatively impacting my security clearance.

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 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from deploying or progressing due to the account still negatively impacting my security clearance.

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 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX XXXX # XXXX ), XXXX XXXX  ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.

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 2019-07-16 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: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Id reached out to the company in XX/XX/2019 when it was paid ( {$56.00} ) and theyd informed me that theyd combined it with other medical bills but they would remove them individually and was unsure why it was still reporting to my credit report. Theyd also informed me that the inquiry would be removed within the following months. Id let them know that I was facing financial difficulties due to my son being hospitalized but would attempt to make other arrangements as soon as I could. Please remove this inquiry.

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 2019-07-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While reviewing my credit report from Equifax and XXXX, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX XXXX more than 30 times requesting verification/validation that the collection accounts belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with XXXX  and Equifax several times and each time it came back as verified. Ive also sent Method of Verification letters to both XXXX and Equifax. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries, I sent Equifax via certified letter tracking number XXXX XXXX XXXX XXXX XXXX which was delivered on XX/XX/XXXX @ XXXX XXXX identifying 19 Unauthorized inquires they refused to investigate or validate these, yet XXXX  has deleted all these Authorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I asked that they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Equifax has violated my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?

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 2019-07-16 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: NJ

Complaint narrative:
On XX/XX/2019 I ordered free credit reports through my local consumer affairs advocacy governmental body. I noted a major issue with Experian. Their report has misleading and incorrect information that has been manipulated. 

Note that I have had several lines of credit over a long period of time. I have made adjustments and even the creditor ( s ) ) made adjustments to the amount of the credit made available on the accounts over a number of years. 

However, Experian is reporting the balances which were based upon previous lines of credit. For example, if I had a credit line open, at one point in time, for an amount of {$1200.00} and I had a high balance at that amount equal to {$1200.00}, Experian is reporting this account limit as the current limit amount. However, after the limits of amount of credit have been reduced, Experian is still posting the highest amount of the account, as if the card holder was over the credit limit of the account for the longevity of its active status. When a line of credit it reduced, the charge limitations during that time need to be reflected accurately. Sometimes, I decided to reduce the lines of credit. Sometimes, it was the creditor. This is problematic in determining a " fair usage '' of a credit service. IT IS THE OBLIGATION of the crediting agencies to report the lines of credit independently as they relate to high balances. Experian is reflecting inaccurate information that impacts the consumers, credit scores, insurance rates and other new lines of credit they pursue. This is grossly negligible. They should be fined and forced to correct this practice. Definitely, if the laws were changed that consumers can access and get information about their credit scores daily or weekly, this type of bad practice would not happen. 
Thank You.

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 2019-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen Mortgage Service recently transferred our loan to PHH Mortgage CompanyXX/XX/XXXX, I was on a biweekly pay option paying every 2 weeks for my mortgage. 
I am a paying customer and have never been behind with my mortgage. 

When our loan was transferred to PHH mortgage, there was one payment left in suspense because PHH mortgage did not correctly process the Bi-weekly transfer option. 

I contacted PHH to on XX/XX/19 to see if I could maintain the bi-weekly option, I paid the XXXX payment of {$1200.00} on XX/XX/19 ( XXXX payment ) and they advised me that I needed to pay an additional {$620.00} ( Paid XX/XX/19 ) to cover the mortgage for XXXX and the suspense payment ( {$620.00} ) -pending from Ocwen because it was bi-weekly ... .would bring the account current for XXXX. I submitted XXXX XXXX info and 5 days later i contacted PHH mortgage to confirm if they received ... .They advised me they did receive and the payment of the XXXX XXXX-suspense payment and the payment of {$620.00} processed on XX/XX/19 was applied to principle in error and they will submit it to be corrected. I then call on XX/XX/19 -- -waited online and was transferred call was disconnected. Called back spoke with someone and they transferred me to supervisor line on hold 15 mins-call disconnected. Called at XXXX and spoke with a person who transferred again to a Lady that was yawning on the phone when I started explaining issue! ARE YOU KIDDING ME!!!!! I recorded all calls from XX/XX/19 ... .A relationship manager is suppose to call me within 48 hours ... .The CFPB will be contacted if this is not resolved. To add insult to injury PHH also drafted the full payment of {$1200.00} on XX/XX/19 -- -which I was told this was gon na be the XXXX payment of {$620.00} towards XXXX payment- ( So you drafted XXXX payment in XXXX and applied XXXX payment to the principle ) THE WORST EXPERIENCE EVER after speaking with person on XX/XX/19 at XXXX she advised me there is no bi-weekly option its just allows you to draft full amount on a day of your choice thru the XXXX ... ..SMH but I was told XXXX XX/XX/19 I was setup for the bi-weekly option which she said was XXXX option and I was all set!!!! THE WORST EXPERIENCE EVER!!! If I do not receive a call I will be seeking LEGAL ACTION! anyone else having issues please contact Consumer Financial Protection Bureau ( CFPB ).

www.consumerfinance.gov/complaint/ FYI ... ..The company does not answer phone calls without waiting over 30 minutes- ( There is a loud Static noise while holding on the line, probably there to make you hang up ... I did advised them when I called about this.. 
The customer service reps are not knowledgeable about the services or anything when it comes to your mortgage account .... 

I will be refinancing with another lender asap to avoid doing business with them for much longer.

Company response to consumer: Closed with explanation