vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 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: MI

Complaint narrative:
Navient assured me that I was enrolled in the public service loan forgiveness program, which I am apparently not. I have been scammed already by XXXX XXXX and was paying them for 3 years, being led to believe that I was making payments towards this program. While being scammed by XXXX, Navient NEVER informed me that I was not making any payments towards my student loans, let alone the program itself. Once I was informed that XXXX was scamming me, I talked with Navient customer service directly and asked if I was properly enrolled in the PSLFP and they said that I was. Now I am not sure what I am suppose to do? Between these two companies I have lost at least five years of time with the program ... .thats over half my payments that need to be made for this program, not to mention 3 years of nothing at all being paid on my loans, the amount of interest just racking up!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: NY

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Company : Quicken Loans/XXXX, XXXX. 

Complaint : Pencil-whipped Boilerplate Appraisal We started a refinance process on a VA loan that was 2 years old for a lower interest rate. Quicken Loans said we needed an appraisal, and have us down for paying {$380.00} for this appraisal. When we received the appraisal document, it did not look correct. 

Reading through the document, we started noticing discrepancies. The square footage did not reflect the current structures on the property. The price per square foot had not increased with the comps in the neighborhood, The new permitted out buildings that we had erected were not in the appraisal, and biggest red flag of all, no one had come to our home to do an appraisal. 

Further reading said that this was a 'drive by appraisal '. The appraisal company is in XXXX, MI. It was an appraisal done online by XXXX XXXX. The Arial Photograph used in the appraisal is a 3 year old image from XXXX XXXX. The Street View image is more recent, but covers only 2/3 of our property that faces the street. 

This makes the legitimate appraisal companies out there look bad by association. The Appraiser, XXXX XXXX of XXXX, XXXX ( XXXX ) signed that she had done an actual in person exterior appraisal of our home. That is untrue. She stated in writing that " I performed a visual inspection of the exterior areas of the subject property from at least the street. I reported the conditions of the improvements in factual specific terms. I identified and reported the physical deficiencies that could reflect the livability, soundness, or structural integrity of the property. '' We have cancelled the contract with Quicken Loans, because I can no longer trust them. The problem we are having now is that we gave them {$500.00} in 'earnest money ', and they are refusing to refund that money. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN ONCE AGIN IS THE ONLY CREDIT REPORTING XXXX XXXX XXXX XXXX IN ILLINOIS, THE OTHERS DELETED YEARS AGO.

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I had no idea of this company JEFFERSON CAPITAL SYSTEMS has been placed on my credit, this don't belong to me disputed and they still reporting, do not recognize t

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
In 2014 XXXX  XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX   insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you 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 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, XXXX, and TransUnion they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.

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 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/19 at XXXX XXXX I contacted XXXX XXXX XXXX XXXX/ XXXX XXXX hospital at XXXX, I told her that Ive been paying XXXX a month which thats the only thing I could pay, she said we cant accept that type of payment, is not that am not willing to pay I really cant pay more, than she said dont you work at XXXX you should be able to pay more. If you send XXXX dollars we would have to send the payments back, I really didnt like the fact that she said I could pay more cause I worked at XXXX. Plus that they would send the payments back not willing to listen, I said I dont appreciate you telling me that because I work at XXXX I have to pay more, she was I dont have to listen to you, you need to pay more and hang up. My debt if XXXX dollars I have more bills this what I could afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
My wife and my new home mortgage was denied due to a false claim by XXXX XXXX Hospital ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX, CO XXXX for {$4000.00}. I have never had any services performed at this hospital. XXXX XXXX neglected to properly identify the person that they provided services to, and then filed a claim using my Name and SSN number. XXXX XXXX never contacted me and turned the debt over to BC Services for collection. When I asked for information regarding the services performed and details of personal information, I was denied. They would collect all my personal information such birthday, SSN, Name, address, etc. and won't tell me what matched and what didn't match. So, I didn't have any details from them to dispute. These calls went on for weeks with XXXX XXXX XXXX, BC Service and us. Finally, BC Services told me I could file a fraud police report send them a copy along with picture of my driver 's license, and they would consider 'deleting ' their claim against me within 72 hours ( 3 days ). I filed the police report on XX/XX/2020, and submit the information early on XX/XX/2020. Its been over 6 days with no response. I will continue to reach out to them.

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 2019-09-25 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
At the end of XX/XX/2019, I received a call from PHH Mortgage Services that I was in arrear in my mortgage. I told them that this could not be the case since my account has automatic payments being made and a payment had been made. The PHH individual indicated to me that they saw the payments and since there was money in my account that I shouldn't worry because the monies would be applied to my mortgage. That was not good enough for me. I asked to speak to an escalation officer. 

When I spoke to the escalation officer he told me that they were reviewing my account because there was a first and second on the account but that everything would be resolved shortly. 

PHH Mortgage had been acquired by Ocwen Mortgage. Originally my loan was with Ocwen bu they transferred it to PHH to service it. 

Subsequently I started receiving default letters for non payment and then recently I received a letter stating that they would stop accepting my automatic payments because of the status of my account. 

Last week I tried to reach out my point of contact, XXXX XXXX ( XXXX ext XXXX ) and was told she wasn't available but I spoke to another representative about my situation and she wrote up a ticket for Ms. XXXX to follow up regarding my payments, credit reporting, and to provide me with a detailed accounting of my payments. When I called this week ( yesterday, XX/XX/2019 ) to speak with Ms. XXXX, she was again not available and when I asked about my ticket, I was informed that Ms. XXXX had closed out the ticket. 

I was livid and asked to speak to another escalation officer. This time I spoke to XXXX XXXX ( XXXX ) XXXX and told her my frustrations with PHH. She told me she would immediately have the billing department apply my payments, correct any credit reporting, put me back on the automatic payment plan, and provide me with a detailed accounting of how my payments were applied. As of today, the payments have not been applied to my mortgage. 

I am filing this complaint to help me resolve the situation regarding the payments on my mortgage with PHH Mortgage Services. 

Thank you P.S. I have direct payments made from my bank and I should be current through XXXX or XXXX since I have made advance payments. 
The bank statements show all of my payments being put into suspense accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certified Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX, Illinois and owned by XXXX XXXX XXXX and XXXX XXXX XXXX, have, since 2015 reported to the credit bureaus an amount owed by me of {$730.00}. This was an incorrect amount as it did not reflect insurance payments received by them. I have contested this amount for these very reasons numerous times since 2015 and it was repeatedly, and incorrectly, reported by XXXX XXXX XXXX XXXX as being the incorrect amount. This was confirmed to me today by their bookeeper, XXXX XXXX. Remarkably, they take no responsibility for this incorrect and damaging information they simply said " Although we reported it incorrectly to the collection company ( Certified Services , Inc of XXXX, Illinois ) we are no longer repsonsible since they reported it on your credit. When I challenged this statement by saying " But you gave them the wrong information '' they acknowledged that but still denied responsibilty saying " Once we report it we're done '' I believe the law requires them to correct negative information they know to be incorrect. 

I have tried to pay the proper amount since 2015 but have been thwarted ever since. This has been a stain on my credit report and an inaccurate one as well. Consumers are supposed to pay their bills but providers and collection agencies are required to provide factual information and, when a verification request is promulgated they are supposed to research and update the record as required by law. Both XXXX XXXX XXXX XXXX and Certified Service, Inc ignored the law and continued to report incorrect information for 4 years despite numerously repeated efforts by me to get the information corrected so that I could pay it.. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019, I purchased two roundtrip flights on XXXX for my brother and his wife. The next morning on XX/XX/2019, my brother called me to see about cancelling the flight. Since it was within 24 hours, the Department of Transportation has a regulation that states flights may be cancelled in the first 24 hours if the flight is 7 days before departure. The flight was for XX/XX/2019 with a return on XX/XX/2019. I called XXXX to cancel the flight but the agent refused to do so. I also spoke with a supervisor who refused as well. Since they refused to comply with the doT regulation, I immediately called Chase Sapphire, my credit card to stop the payment ( still within the 24 hours, on XX/XX/2019 ). I explained the situation and the agent assured me that they could definitely help to dispute the transaction but she could not transfer me to the dispute center until the charge has posted. She was very enthusiastic and made me feel at ease that it would be resolved as soon as the charge posted. I, therefore, did not pursue any other alternative, relying on my credit card to help me. The charge was {$630.00}. I called on XXXX, XXXX, 2019, when the charge had posted to see about the dispute. The agent for Chase assured me again that it will be resolved and transferred me to the dispute center. The agent at the dispute center denied me my claim and stated they could not force the company to change their policy. I called again that same day to speak to another agent to understand why I was being denied a claim, the agent told me the dispute had been resolved and I asked to speak to a supervisor because I felt they did not resolve any dispute. They never contacted XXXX nor did anything on my behalf. They sent me an email today with statements that I do not agree with. The statements seem to imply as if they contacted XXXX when they did not. They never started any dispute despite my many attempts for them to do so. So how can they claim that the dispute is resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus Equifax, XXXX, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, Experian, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.

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 2019-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
I bought home on XX/XX/XXXX.Today after 14 months i got 4th transfer ma mortgage to another company.I have no idea that this is legal.But with latest company XXXX   i have issue. 
On or about XX/XX/XXXX I have send mortgage check to them.Up today the do not cash this check.I am worry about consequence.I have sent to them email but, did not answer. 
Could you help me please.

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 2019-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is an FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent the required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.

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 2019-09-25 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.CREDIT COLLECTION SERV {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX  {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX  XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON 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 2019-09-25 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: ERC
State: CT

Complaint narrative:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX  {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX  {$240.00} DATE OPENED ON XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
My student loan has been in the deferred status since I am currently back in graduate school. Recently, I got notified that my loan is $ 600+ PAST DUE. I believe that I have " used up '' all my deferred time ( 60 months ) and that my loan is to be start paying back however, there has been NO communication on due dates and repayment plans despite mulitple calls to the company. I am trying to lower my monthly payment, and get my cosigner OFF the loan. I have applied 3-4 time to get my cosigner released with NO explanation as to why and how I can get him off. I have paid 12 months worth of monthly payments to them in a lump sum with no results. I have asked about the income driven repayment plan and keep getting denied. There is NO communication to when my loans are due. When i log onto my student portal it says my loan is DUE XX/XX/19. The start of my repayment yet I am already $ 600+ PAST DUE? IT MAKES NO SENSE. I have tried diligently to work with this company and we have reached no resolve. How do you expect timely payments when you don't inform your customers? You are setting us up for failure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief