vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.

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 2017-05-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
YOUR COMPLAINT My credit score fell from  XXXX  down to  XXXX  because a company by the name  XXXX   XXXX   XXXX  hard inquiry was removed by Equifax. Equifax on their prerogative removed the negative report from my file. This reporting agency now penalizes me by shaving off  XXXX  hard earned points from my credit score. Equifax  Credit Reporting Agency is p enalizing or deducting points from my credit twice for the same action. The activity was performed on  XXXX   XXXX ,  2017. C redit  Reporting Agency h as continue to penalize my Credit score frequently for actions that I have no control over. Their response is always that, they have a mathematical calculation that effect these double punishment/score deductions for the same offens e ( hard inquiry, and the hard inquiry being removed from my credit report by the Agency when the stay period elapses ).    Equifax is a victimizing credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am at the tail end of a short sale with the property. There is a very good cash buyer that has put in a serious offer considering the repair the property needs and we are almost done with the short sale. The  XXXX  lien position has agreed to the value and has submitted their approval letter on the file, however the  XXXX  lien position is stalling and even though we have asked them several times to postponse the foreclosure sale date to allow adequate time to negotiate short sale and allow time for the bank to respond, they have not wanted to postpone the foreclosure sale date. The seller 's family who lives in the home ca n't possibly relocate so quickly. There is a veteran in the home, the seller 's husband who is on   XXXX   XXXX    XXXX . The bank, Chase, has once offered them a {$30000.00} relocation incentive, and now will only offer {$3000.00} but not even sure if they would postpone foreclosure as they are doing everything they can to divert the sale and not provide responses. They have avoided the issue of postponing the foreclosure sale date several times. The sellers are scared, they do n't know where they are going to go, especially with the husband and his  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
On  XXXX   XXXX ,  2017 I re ceived written notification of balance owing for the amount of  XXXX . Payment to be received on or before  XXXX   XXXX ,    2017.  I was unable to attend my  XXXX    XXXX   due to  Holiday  on  XX/XX/XXXX  of  XXXX   XXXX . On  XX/XX/XXXX , my  XXXX    XXXX   closed at  XXXX   XXXX . On  XXXX   XXXX ,  2017,  I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On  XXXX   XXXX ,  2017, I  sent out a payment in the amount of  XXXX  to be received on or before  XXXX   XXXX ,    2017 t hrough overnight delivery with  XXXX . I also informed company that I will only be paying the amount owing stemming from the written notification received on  XXXX   XXXX  , 2017. Ne w statement received indicates balance owing to be  XXXX . I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refused to give me a loan modification.   Bank of America originally said that I could get a loan modification.   They kept demanding paper after paper after paper.   and asked for income tax many times.   All of this went on for months.   Finally, I got a letter that they refused to give me a loan modification.   Furthermore, they would never let me speak with any manager in the department.   I am having a very difficult time and it seems all they want is to redo my loan which would be {$3500.00} per month which I can not afford.   PLEASE, HELP ME!!! I AM IN A HARDSHIP SITUATION.   I NEED A LOAN MODIFICATION THAT THE BANK ORIGINALLY OFFERED AND THEN REFUSED SAYING THAT IT WAS N'T AVAILABLE.   THANK YOU.     I received a call this morning,  XXXX   XXXX , at approximately  XXXX   XXXX   Pacific Time  from  XXXX   XXXX . He said he was a Bank of Americ a Resolution Specialist an d he just kept repeating like an endless tape. He told me they are a debt collector and wanted to give me counseling telephone numbers which I told him I wasnt interested in. I asked him why he called and he said something to the affect about the loan modification ; basically that they cant guarantee the loan modification. He just kept repeating all the information to the point absurdity. This phone call was a waste of time ; he had nothing to tell me except that they couldnt guarantee a loan modification. I learned nothing new this phone was a total waste of my time. He said he will call back but he probably will have no new information and that will be more waste of time.

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 2017-05-24 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: I.C. System, Inc.
State: MO

Complaint narrative:
a dept owed was payed to   XXXX   and since  XXXX  separate companys were used to collect on my dept the  XXXX  I payed shows my account closed the other shows it closed but will not give me a pay off statement to show to  XXXX  that I payed the account this company is a terrible collections agency

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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Sears/Citi-Bank Master Card : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the clo sed Citi-Bank Master Card wh ich they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX  r  XXXX  and had  XXXX  ; so I was out of work for at l east two ( 2 ) m onths ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at l east three time s to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ; Sears is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles al so. Citi-Bank is who the Master Card was a ffiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with Sears/Citi-Bank will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX a dispute letter for each of the negative accounts included on my credit report. The letter stated : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you  are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. The accounts included in the letters were : XXXX XXXX XXXX XXXX, XXXX XXXX AWA COLLECTIONSXXXX AWA COLLECTIONS-XXXX XXXX XXXX XXXX XXXX They deleted the XXXX  XXXX XXXX and XXXX off my credit and sent an updated report. However, XXXX XXXX XXXX and XXXX, XXXX came back updated and said met FCRA requirements. They did not send me any documents in my file at all. I do not have any signed contracts with any of these companies. XXXX and XXXX has deleted all of these items off of my report already. XXXX, however, is breaking the law. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
I had  XXXX   XXXX  owned by  XXXX   XXXX   XXXX  as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost  XXXX  I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a  manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at  XXXX . He promised that he would get this handled and call me back. It 's been  three  weeks and no return phone call. I 've left several messages on his voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Sent Trans Union a n otarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA sect ion 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .  If you have no proof immediately of any or one, I would like it removed immediately. Trans Union has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 2017-05-24 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Sent Experian a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Experian has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
I have student loans through Fedloan Servicing. My account was in forbearance for a while and had to havr been renewed in  XXXX   2016. Co me  XXXX     2016, I was  checking my credit report and I had seen that  XXXX  accounts had been reported past due 90 days as of  XXXX   2016. I conta cted Fedloan Servicing immediately and asked them why it was showing  XXXX  accounts, 90 days past due. They told me my forebearance had needed to be renewed in  XXXX  and that it had not been. I asked them why they didnt contact me via mail or phone about this and they simply stated we do not mail letter, we have  XXXX  numbers automatically call you with an automated message. Since I do not typically answer phone numbers I do not know, I never recieved a call or a letter explaining it was late. Upon calling, they renewed my forbearance, effective  XXXX     2016. If  you do not know, you only have a limited time of forbearance and every month matters. So  I figu re ok, you 'll make the forbearance active a s of 2016 a nd everything will be good, WRONG! The next month it showed up as currently paying as agreed but still shows was 90 days past due. I called back and asked why was it showing 90 days past due on  XXXX  separate accounts? They told me they open a new account every time you start a semester and even though they prorated my deferment back to  XXXX , they REFUSED to correct the information on my credit report. I understand I have an obligation to repay my debts, but I also have a right to be notified if something is n't right. All that had to be done in  XXXX  is renew the forbearance. Despite many calls to this company, they have been rude, ignorant, and unwilling to help. Now my credit reports  XXXX  accounts were 90 days past due despite them prorating my limited forebearance back to  XXXX . Scammers! Stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.

Company response to consumer: Closed with explanation