vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: SC

Complaint narrative:
Navient calls me up to ten times  a day and at least every hour. Spoke with someone last year and they indicated that on my private loan I had a cosigner which was my father, I explained to them that my father as never co-signed anything for me and I do believe that the records were wrong and I do n't recall filling out for a private loan. So on  XXXX  -17 a na vient representative call me about a payment but I explain to her that I started a new job it would get my first full check until the end of this month I would n't be able to make a payment until next month. The representative talked all over me and ask could I pay them and hold off on my other bills, I told her no I could n't because the other bills were mortgage and lights. She then went on to say after  XX/XX/XXXX  I will be reported to the credit bureau and they will have to reached out to my father. Well I explain to her that my father never co-signed for me and I do n't even think this private loan is legit but no one has ever called me back with details or paper work showing if it was legit or not. Navient bully individuals with calls and make individ ual s pay w ithout proper documentation rather the loan is legit or not. I do n't ever recall having a private loan or having my father coaign for anything something got messed up in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ceannate
State: CA

Complaint narrative:
My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Management Services, LP
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting loans past the statute of limitation to my credit bureaus. They had sold some loans XXXX and XXXX to Capital management services LP that has been harassing me and contacting me for repayment. XXXX XXXX is no longer reporting those loans because of their erroneous error they had to remove them. Capital management has not removed said loans and continues to contact me for repayment of erroneous loans. <P/>XXXX XXXX also has the first date of delinquency for loans XXXX and XXXX listed as XX/XX/XXXX which they said would remain on my credit for a period up to 7.5 years. florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS XXXX AND XXXX AND PAST THE DATE OF LOAN XXXX THEY SOLD TO XXXX XXXX XX/XX/XXXX THAT THEY CHARGED OFF IN 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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
I was promised by RPM that they would delete my collections account after it was paid. I have tried talking to everyone at that company but no one will even help. I did n't even realize I had debt un paid until I tried to get my mortgage. I paid the debt immediately in full and trusted they would do their part.

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 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
For the past 5 years, I have been put on a graduated repayment plan that I was not aware of and did not approve, and I did not know that the payments will increase every two years. I work in the public sector, specifically, I am an  XXXX  for the  XXXX   XXXX . Because of my employment in the public sector, I qualify for the public student loan forgiveness program. The payments that I have made can not be counted towards the PSLF. From today I should have had 5 years of payments left towards my loans to receive the forgiveness granted for individuals working in the public sector. But because I was not put in a qualifying repayment plan, I have to start the public student loans forgiveness program all over again. My loan servicer was not compliant with the regulations that the CFPB has set as well as the CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion Credit Bureau has hard hit inquiries from  XXXX   XXXX  on  XXXX   XXXX  and  XXXX ,  2015 . Hard hit inquiries from the same company must be at least 30 days apart. My credit report was charged with  XXXX  inquiries due to Transunion negligence. Again, on  XXXX   XXXX  and  XXXX ,  2015  and  XXXX   XXXX ,  2015 ,  XXXX  charged My Transunion Credit Report  XXXX  hard hit inquiries within a 30 day period.

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 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NE

Complaint narrative:
Hello, I hope this letter finds you doing well. FedLoan is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX and XXXX During the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, FedLoan is reporting to credit reporting agencies such as XXXX, XXXX, and XXXX, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, FedLoan granted me a retroactive forbearance in XX/XX/XXXX that lasted fromXX/XX/XXXXto the end of XX/XX/XXXX. <P/>Thus, FedLoan is aware that I was supposed to be in forbearance, they approved said forbearance way back inXX/XX/XXXX, and FedLoan has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end ofXX/XX/XXXX. <P/>However, despite my numerous efforts to get FedLoan to update the credit reporting agencies to remove these late payments because I was in forbearance, FedLoan continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called FedLoan to dispute these late payments, and I have supplied FedLoan in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied FedLoan with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinionXXXX FedLoan continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: PA

Complaint narrative:
I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

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 2017-06-06 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: PA

Complaint narrative:
I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

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 2017-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Attached are 2 pages from XXXX XXXX XXXX XXXX, showing a two page  customer account activity statement ( caas ) showing ZERO late charges against our account in XX/XX/XXXX. The Credit Agencies show late payment charges fromXX/XX/XXXXfor ten months, these are wrong and need to be urgently removed from our Credit Reports The caas shows zero late charges in XX/XX/XXXX. It also shows any late charges prior to XX/XX/XXXX were waived, in settlement by XXXX. Such late charges were made at a time when XXXX, under old XXXX XXXX XXXX, were unfairly making false charges aginst their own customers. In fact there was only one initial occurrence of a late charge when l was XXXX XXXX and in XXXX XXXX. After that ongoing XXXX of XXXX XXXX stopped me from working., However we never fell behind after the one occurrence. We paid on time every month thereafter.We argued this with XXXX and they refunded all late charges XX/XX/XXXX. Credit Agency/s are wrong and unfair in PERPETUATING these refunded charges made prior to XX/XX/XXXX. The TWO key issues are ; 1 ) XXXX confirmed no late charges were posted to our mortgage account in XX/XX/XXXX. The credit agency/s must remove all late charges from my account in XX/XX/XXXX ... .as there were no late charges. These incorrect XX/XX/XXXX reports are stopping us from buying a new house. We have been told by other mortgage banks, no loans will be extended to us till the end of XX/XX/XXXX, because of this error in credit reports. This may stop us from ever buying a house, because the costs in an apartment are drawing down our deposit savings. The Credit Agencies must do this urgently, as every day they delay they hurt us considerably, At XXXX we do n't have the time, nor the savings account balance, to sustain further delay. We have always paid our taxes and been good citizens. We have been XXXX XXXX for many years. 2 ) The 'caas ' shows ALL late payments charged prior to XX/XX/XXXXwere removed from our XXXX account. XXXX credited late payments back to us on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have  XXXX  of the same debts but those already should be paid.

Company response to consumer: Closed with explanation