vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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: AK

Complaint narrative:
I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

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 2018-10-17 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: AK

Complaint narrative:
I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

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 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sirs/Madams of the C.F.P.B. So it's been 15, years from XXXX, this day since I've been received request for collection from all kind agencies in U.S. to collect for merchants name WAMU and now on XX/XX/2018, from the Debt collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, phone XXXX and now added with this Chase Bank claiming that I owed them {$6800.00}, for what? I don't know because that I have never had any account with these banks, which caused on XXXX that I wrote 5, letters to that WAMU merchant/bank asking them to provide me with any applications or forms filed with my signature ( documents ) regarding to they allegations, but never had any answer, but still receiving these threat of seizing my property/ bank account, or going to my employer for collection, so makes that a very terrible threat, and caused me so many stresses, some times even leveled up my XXXX disease 's problem to a XXXX level, and especially for mess up my credits and prevent me getting even a job, and caused me now to be unemployed to this day. Which caused that I've filled this complaint against these merchants WAMU/Chase Bank to show any evidences that they have to me and to XXXX XXXX XXXX in supporting of their claims as fast as possible, or remove me out of their collection, please every responses to me or to XXXX XXXX XXXX and must be in writing all documents. 

Respectfully submitted XX/XX/2018 XXXX XXXX Claimant Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Since Nationstar Mortgage became Mr. Cooper in XX/XX/XXXX no one, even my Dedicated Loan Specialist tries to reach out to me, instead I received a foreclosure sale notices and again just received one that my house is going to be foreclosed on XX/XX/XXXX. In the letter, the foreclosure sale notice I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of sale, as published in XXXX XXXX XXXXXXXX. That claim is false because I could not find the foreclosure sale that was claimed to have been published in XXXX XXXX   XXXX. I have been trying very hard to make Mr. Cooper to modify my loan which I applied for in XX/XX/XXXX which is yet to be modified. Nationstar Mortgage, now Mr. Cooper has refused since XX/XX/XXXX to modify my loan without giving me any valid reason ( s ) for their refusal to modify my HAMP LOAN MODIFICATION that I applied for, was eligible and qualified for in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan Depot was my possible new lender. They have my FHA file and will not transfer it to a lender that I decided to go with. I have sent several e-mails and made several phone calls and nothing is being done. I need this file to be transferred to my new lender immediately and it only takes 3 minutes to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX  but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal complaint Account : XXXX ( XXXX ) This is my second complaint against PayPal Inc, PayPal Credit within one month ( see case # : XXXX ) Upon my first complaint PayPal Inc responded in a childish manner that they feel as though anyone ( me ) opening account with PayPal is  taking oath for life to provide my bank information. 

No, PayPal Inc. I didnt marry you. 

PayPal have underperformed for quite a long time with me, doing business the way PayPal ill written policies are. I am not OK with this type of business, and I am done with PayPal. 
PayPal Inc, PayPal Credit does not respond to emails ( screenshot attached ) as normal businesses do within usually 24 hours. 
PayPal Inc, PayPal Credit treats customer as a nuisance not a business partner.

I believe PayPal is governed in our country by the same laws that govern all banks and financial institutions. 

Over the years I opened and closed more than 20 accounts with banks and other financial institutions. I paid up my balances and closed those accounts. 

PayPal has the audacity to reply to complaint I wrote to FTC as though the laws of USA do NOT apply to their institution. 

FACTS : Upon receiving statement on XX/XX/18 asking me to pay/cover my balance of XXXX I sent payment by check ( check # :1 screenshot attached ) On XX/XX/18 PayPal Credit posted check to my account ( screenshot attached ) On XX/XX/18 PayPal Credit cashed my check at my bank ( screenshot attached ) PayPal Credit did not apply this payment to my balance. 

PayPal Credit usurps to have some rights to me and my bank account. 

No, no bank or financial institution has that right. 

By this letter I am canceling my relationship with PayPal Inc, PayPal Credit and any other businesses containing PayPal in name. 

Apply funds available on my account to my outstanding balance CLOSE MY ACCOUNT ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: Risecredit, LLC
State: DE

Complaint narrative:
I paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have worked for a qualified 501 ( c ) 3 for 13 years. I have tried two separate times to apply for Public Service Loan Forgiveness. The first time I was told, by then Sallie Mae, that my loans were no longer federal because I had consolidated them through Sallie Mae who does not participate in the PSLF. At this point I had been making payments for 5 years. I was told I'd need to reconsolidate with a different lender ( they had no information with whom I would need to consolidate ) and begin making 10 years of payments again. 

The second time I was told my loans were too old, that since I began school in XX/XX/XXXX and finished in XX/XX/XXXXthat they were ineligible. At this point I'm giving up. But I am filing the complaint because as XXXX XXXX at this XXXX, I file paperwork for many employees to get this forgiveness and have yet to see any approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I disputed this account which was paid in full Back on XX/XX/2018 and it is now XXXX XXXX and the account is still being submitted and never reached being Under investigation. I want this removed from my credit report being so I was responsible to get it paid in full.

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 2018-10-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
On XX/XX/2018 Navient attempting to collect a student loan debt. I am listed as an information contact on my husband 's student loan. Navient used the whole day to contact members of my family who have nothing to do with the loan. They called at least 4 family members that I know of and possibly more. This was very upsetting to them and it was an invasion of my privacy. When I called in to tell Navient to never contact members of my family again I was met with pauses and aggression. All they could tell me was it " probably '' won't happen again and the people would have to contact them to get their names put on a do not call list. When I told them the law and how they were not allowed to give 3rd parties any information that would indicate that the call was about collecting a debt and that they weren't allowed to call them more than once, they told me they didn't break any laws. They identified themselves as Navient on the voicemails ( 2 of which I still have as well as a recording of the conversations today ). I asked them to give me an example of what else Navient would be trying to contact someone about other than to try to collect a debt and they were unable to even give me one example. They also told me in order to get names put on a do not call list you must own the phone. I do own two of the phones, but they never went through the process of putting the numbers on a do not call list. I was also told that there wasn't a do not call list by a supervisor. I spoke to 3 people and no one there could tell me what the law was regarding calls to a 3rd party. They just threatened to end the call when they didn't have an answer. My family felt confused and harassed by being called about a matter regarding  someone they have nothing to do with. My family wishes to never be called about this matter again in the future or they will continue to take actions like this or more serious measures. My husband JUST made a payment to Navient on XX/XX/XXXX, so he's not even 2 months behind and these phone calls were harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Complaint is hereby made at the adjustment in interest rate being charged. We closed on our reverse mortgage XX/XX/XXXX and the interest rate was set at 4.48500 %. On XX/XX/XXXX, the interest rate was raised to 6.010 % effective XX/XX/XXXX. The current advertised rate for reverse mortgages is in 4+ % rate and this amount is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: SC

Complaint narrative:
I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bessine Walterbach, LLP
State: MO

Complaint narrative:
My hospital bill was sent to a law firm for collection. My husband is on XXXX XXXX and they served us both. I called and complained and they just took his name off of the lawsuit. I had to make arrangements in or order to not be garnished. I was steadily making payments until one of my payments got lost in the mail. The company has no electronic options or automatic withdrawal options. Everything has be sent or walked into the office. One day I received spam mail from a lawyers firm that wanted to represent me. I had no idea why so I searched my local case net for my name. This law firm has sent my employer garnishment documents. I had no idea that I was behind any payments. I called the office and they instructed me to find legal counsel. I then emailed them for all the payments I have made. I offered to pay the missing payment the same day. I didn't know the payment didn't make it because it was already deducted from my account being a cashier 's check. The law firm told me the garnishment will go through unless I pay the full balance. I never received any notification that I was behind. They said they did not have to notify me because I defaulted on the arrangement. I didn't know I defaulted but now my employer is being effected as well as my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MI

Complaint narrative:
On XX/XX/2018 I mailed reinsertion letters to XXXX, XXXX & Transunion because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, XXXX & Transunion

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/2017, I requested a freeze on our credit report due to the hacking problem involving Experian 's data. I received an email on XX/XX/2017 providing our PIN number to use if we wanted to unfreeze our data for a set time or permanently. When I went to the site to fill out the request to unfreeze our data, I received a message that our PIN number was incorrect. I tried several times making sure that the number I received was correct but received the same message. 

I went to their site to see if there was a place to deal with PIN numbers and there is none. Nor is there in the Questions and Answers. I tried several numbers but only got automated recordings. When I finally reached an actual person, he gave me the number for Customer Service but when I called it, I received a message that it wasn't in use yet. There is no chat service or any number where you can talk to a person. The only way given was a lengthly process that involved mailing copies of ID card, social security card, public utilities bill. I would like to be able to contact a person to resolve this. This company controls a citizen 's ability to purchase certain items and needs to provide basic customer service.

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