vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
State Collection Services Inc. ( XXXX ) continues to call my cell phone after i have repeatedly asked them to remove me from their list. They state that for security purposes they need my date of birth and name which I will not give them because they called my phone number and want personal information. After speaking with the representative XXXX & XXXX they both state that they will not remove me from the list because I will not give my date of birth. This is continued HARRASSMENT! I have received a number of calls from this company and continually ask them to remove me and they will not. 

I have never done anything with this company based out of Wisconsin, i am on the other side of the country in XXXX, PA. I asked them to put me on with their supervisor and they put me on hold and hung up leading me to have to go back through another 3 representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter to Franklin Collection Service , Inc. about a alleged debt on my credit report and received a vague response today XX/XX/XXXX. I asked for validation of debt from them for an alleged debt they have reported to my credit report. I requested under federal and state law for them to supply to me proper proof that they have the legal right to collect the alleged debt in the form of evidence bearing my signature be provided as required by law. They have not met their obligation to provide proof of alleged debt. Also it is reporting to my report as an open date of XX/XX/XXXX and DLA as XX/XX/XXXX. They are refusing to remove the alleged debt from credit report even though they failed to verify the alleged debt. according to the letter that they sent me where their license numbers for each state they work in they are not licensed in the State of texas to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
i did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX 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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently  live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX 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 non-monetary relief
Consumer complaint received 2018-10-09 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: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the  check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I am making this complaint due to it now being 2 months trying to deal with Selene Finance on getting my mortgage up to date like it should. I was told that we had a shortage in our escrow originally for the amount of {$1400.00} in the month of XX/XX/XXXX. I was told that it would be broken down over 36 months and our mortgage payment would be recalculated to {$840.00}. I received a letter dated for XX/XX/2018 saying our shortage was {$1300.00} and that it was broken down over 36 months in the amount of {$38.00}. I then receive another letter dated for XX/XX/2018 saying our shortage was {$850.00} to then be told that now my payment that suppose to be {$840.00} is now {$1000.00} due to the {$850.00} but speaking with someone on the phone they tell me its due to the escrow being more than they thought when they actually had the bill 60 days in advance to XX/XX/2018 in which my insurance company XXXX XXXX told me as of XX/XX/2018. I was told over the phone 2 weeks ago that my insurance was left completely off my analysis but it actually wasn't. Selene sent me an email on XX/XX/2018 with the analysis that they were suppose to have sent out in XX/XX/XXXX that I didn't get until XX/XX/2018 when it was emailed to me for me to look at. I called in XX/XX/XXXX to make my mortgage payment to be told that I needed to make a payment of {$990.00} and that the money sitting in suspense would be added to get my payments back on track since the escrow issues have been showing behind. Well fast forward almost 3 weeks and nothing has been fixed. The account is now worse off than it was and I'm being told that I have no payment for XX/XX/XXXX which is clearly was paid and has come out of my account. This company refuses to allow me to speak with someone of management in the escalations department and continues to XXXX us up worse than we were. I have written so many letters and email with no response to my issues. I really need someone to hold Selene accountable for this behavior when we are doing everything that is asked and making our payments every month. I don't want to lose my home because we are dealing with a company who can care less and no one holds them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: GA

Complaint narrative:
My credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan

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 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: KY

Complaint narrative:
Lamont, Hanley, and Associates of XXXX XXXX XXXX, XXXX has repeatedly billed me, XXXX XXXX XXXX, for medical debt I do not owe. This debt was supposed incurred by my wife, XXXX XXXX XXXX, when she was on dialysis and was under the protection of Medicare A and B as well as private insurance. 

The original creditor, XXXX XXXX XXXX XXXX XXXX, has sent me and my wife written notice that they will desist from attempting to collect the alleged owed money, and I have provided a copy of this letter to Lamont, Hanley at least five times. 

Please also note the following : Lamont , Hanley & Associates has repeatedly sent me correspondence with an incorrect zip code in their letterhead -- even after I pointed out the error. They also withhold their unit number from their letterhead. I must assume they are doing this to other clients as a method of dodging disputes. You can see their real address and zip code on XXXX XXXX at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I consider XXXX XXXX XXXX a party to this complaint. Therefore, a copy of the complaint should be forwarded to that party as well. 

XXXX XXXX XXXX XXXX cc : XXXX XXXX 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 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
First, I would like to state that I made the same complaint ( XXXX ) recently about XXXX XXXX XXXX, however ; my comment was sent to XXXX XXXX XXXX not XXXX. Please send to XXXX XXXX XXXX, as they own the loan. XXXX XXXX XXXX continually raised the interest rate on a loan I was paying every month, making my monthly payments unaffordable. I was, at the time, paying at least {$75.00} more than the minimum payment due in an effort to decrease my principal amoubt and XXXX increased my interest rate 9 times in a single year. When i contacted the administrator XXXX, they told me that there was no option of repayment negotiation or payment plan via XXXX and I had to keep paying. My monthly payment is {$200.00} per month minimum ; that is ridiculously unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In XX/XX/XXXX I made application to refinance with Wells Fargo of my home that I had just purchased in XX/XX/XXXX, to take advantage of the lower interest rate. At the time, I have submitted all of my financial documents, and everything appeared to be ok, then suddenly there was no contact, as I insistantly inquired as to what was happening, I was finally told that my house did not appraise for the mortgage. I purchased my home for $ XXXX, and was told by Wells Fargo it was only valued at $ XXXX, just a few months after purchase. I tried to get answers on how and why they made that deteremination, I could not get any answers. I felt at that time, my home was intentionally and grossly under valued by Wells Fargo, for some reason, and could not get any reason as to why. Now, in XX/XX/XXXX, I was in contract to sell my home. I have a valid appraisal of my home for $ XXXX. I settled with the potential buyers for $ XXXX. The buyers had Wells Fargo as their bank. An appraiser through Wells Fargo, appraised my home at $ XXXX, shocking myself, the realtor and everyone involved. The appraisal was wrought with unexplained errors and comparisons. When my valid appraisal and supporting documents were submitted for review and reconsideration, Wells Fargo would not review the appraisal. The sale of my home could not take place. I believe my home is being intentional and grossly under valued by Wells Fargo.

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 2018-10-09 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XX/XX/2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XX/XX/XXXX/XX/XX/XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For XXXX they have been reporting on an incorrect address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc.
State: NY

Complaint narrative:
This creditor has called my employer multiple times and I have asked them multiple times to stop calling my work. Once again, they called my work today and I have proof on my work phones caller ID. The number they are calling from is XXXX, and the name is CU Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: ME

Complaint narrative:
Hi, I have worked in public service consistently since I graduated from graduate school in XX/XX/2006, either at a 501c3 organization or the federal government. This SHOULD qualify me for forgiveness, but alas I refinanced my student loan a number of years ago with XXXX who have since sold my loan and it is now housed with Navient. It was never explained to me that I'd be giving up my right to loan forgiveness, and now I'm out thousands upon thousands of dollars. I have called Navient and asked about potential forgiveness and was completely rebuffed. 

I know that there is a lawsuit happening against Navient right now, but is there anything else I can do? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTION ASSOCIATES, LTD.
State: FL

Complaint narrative:
These collections violates the HIPAA act. I didny authorize my personal medical information to be sent to anyone without my consent. I habent received 1 bill as my insurance has paid these amounts and they appear to be duplicate acxounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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:
In my most recent credit report, only SSN, XXXX account and XXXX account belong to me. Others belong to another person. I have attached an XXXX report, which is correct, hope that can help you correct my credit file. When I got my first credit card, I had no SSN and lived in the previous address, hope that could help you find my missing accounts in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: FL

Complaint narrative:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. 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 2018-10-09 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: FL

Complaint narrative:
I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you

Company response to consumer: Closed with explanation