vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
I am living outside of the US and filed an application to switch to an income driven repayment plan for my US federal student loans. Since I am not federally required to pay income taxes in the US, I had to file by downloading and sending a PDF copy of the application form through my Navient account mailbox.

I filed this form three times - once in XXXX, again in XXXX and for a third and time in XXXX. In XXXX the application was rejected due to a missing signature, and in XXXX it was not accepted because I needed to attach a note on currency exchange rates ). In XXXX - after checking several times with customer service representatives that the documentation was in order - I called to confirm that my third application was being processed. The automated Navient system told me that it was in progress. 

At the end of XXXX I received a payment due notice, but my plan had not been adjusted. So, I called Navient again. This time I was told that my application was rejected because I was using an old application form which had been out of use for a year. This was not flagged to me previously and it took Navient nearly three months to alert me to the issue after my third application was filed. Now, after nearly six months of forbearance while waiting for the request to be processed, my loans have come current, with capitalized interest on top of the original loan amount. I now have to file again, and wait another 30 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: WI

Complaint narrative:
Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment

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 2018-03-14 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: OH

Complaint narrative:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.

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 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.

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 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Good Morning, I'm receiving several phone calls from Franklin collection svc, daily even after XXXX on a Sunday. I contact them several time last year .I also file a complaint again them asking for Verification of this debt that .I have no idea about they remove it from my credit report they place it back without sending me a notice for me to know what this debt is about they call me at work contact me on my cell phone several time a day I .asked them to send me in writing physical proof of verification under FCRA 15 u.s.c 1681 all unverified account must be prompt deleted therefore if they are not able to provided me with a copy of verification they should not be reporting and flagging my account several time per week Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: OH

Complaint narrative:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.

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 2018-03-14 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: OH

Complaint narrative:
There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX XXXX. Remove both accounts from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. 
Please advise, 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 2018-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Hello, I submitted papers to Mr. Cooper ( FKA ) Nationstar Mortgage in XXXX or XX/XX/2017, for a modification for my mortgage ; in which I was approved. I noticed during the 3 month trail period my mortgage payment were more, in which I thought would be less. As I struggle to make the 3 month payments of {$2000.00} after the loss of my job, I received my final modification forms which indicated my mortgage would be more than the original payments before the modification. I was thinking the the rate would decrease from 4.625 to a lower percent. It appears that Mr.Copper added additional fees, did not decrease the rate and made the mortgage payments more. I would like to know what are the criteria for obtaining a lower rate. I know individuals who did a modification with the same mortgage company and received a 3.75 or less rate. The modified payment is more than the original payment I started with. As I stated, I would like to know the criteria that was used to determine how a lower interest is provided. In addition, I can never contact my DEDICATED loan Specialist XXXX XXXX to ask any questions Please Advise ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I sent a certified letter to have debt validated. They were unable to properly validate date. The validation that was sent belongs to another individual. 

Attached : original letter from me, letter from the collection agency and the verification with the name, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AZ ). The name has been circled in the document. 

Please have company remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an escrow account with Citibank to pay my taxes and insurance. The house receives one tax bill for the county and one tax bill for the city. The city tax bill was paid on time with no issues. The county tax bill has not been paid and is now 2 months late. I have inquired about this directly with Citibank no less than four times. The responses are generally, " it's under investigation '', " it has been escalated '', etc., but there has been no change and no updates. The bill was due on XX/XX/XXXX and was received by the bank in early XX/XX/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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XX/XX/2018 I called Diversified Consultants to ask about a debt they claimed I was responsible for. I never received any notice about this bill the only knowledge I have is on my XXXX and XXXX report. I called to ask if I were to pay a debt they claimed is mine can it be deleted off all reports. The lady XXXX told me no. She did not even offer me a reference number. The next day I called again and spoke to XXXX XXXX. He said he did not have any record of my previous call. This is not fair for me as a person to have a collection on my credit reports and did not receive a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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: NC

Complaint narrative:
XXXX XXXX is reporting a negative account/several accounts which do not belong to me. I have been disputing this for a year. I have sent the creditor debt validation letters which no response has been received. I have been disputing the error with Equifax and apparently, all they are receiving back from XXXX XXXX are account summaries. There is no contract, no copy of my driver 's license, nothing that relates or belongs to me and according to the FCRA an account summary/bill is not sufficient of validating a debt and Equifax is in complete violation of the law by reporting erroneous information. To add insult to injury I spoke with an Equifax Supervisor today By the Name of XXXX, ID # XXXX, out of the Nevada office at XXXX XXXX  and he was very rude to me, he even put me on hold in the middle of me speaking to him without asking me if I mind holding and told me that my complaint was not worthy of going to the executive affairs team, after I requested to speak with someone one over his department because he kept saying All I can do is, which was not helping me. The dispute in question is confirmation number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is Online Information Svcs, this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have always rounded my mortgage payment up. My loan payment is XXXX. I pay XXXX every month. The balance, though my mortgaged is fixed, adjusts so no matter what the payment is, I always round up, sometimes as much as a XXXX dollars more. As far as I know, I was late once on my mortgage ( resulting from the one time I attempted to pay my mortgage payment through the website which led to a snowball of financial tangles which have been fixed ). 

I pay my mortgage electronically which means real time payment. I notice that while I have a grace period from the XXXX to XXXX of every month, after which I am assessed a late fee, and even though I am not late on my payments, U.S. Bank has been applying the extra money I pay every month to late or other fees, so that the extra money I pay doesn't affect my balance. Please also note that they say I pay {$3000.00} a year in county taxes. I am calling the county to confirm this is incongruent with the actual statement I receive from the county.

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 2018-03-14 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called this company several times, no answer, I don't even know who there are how can this just end up on my credit report and I don't even know what it is all it states is XXXX XXXX XXXX  this is hurting my credit report drastically, I would like them to show proof or delete from all 3 credit bureaus immediately.

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
This company calls my cell phone 2 times a day and my work number once a day and they also send emails - it never stops. I told them that I mailed my first payment to the address on the CONTRACT, which I signed and they told me it was not the correct address and harassed me to pay over the phone - the address is indeed the address where their call center and headquarters are located and the only address on the contract. 

This company is a loan company that lent me {$3700.00} which I needed for my husband 's funeral expenses. Then the first payment was due in less than one month from the funding date and they tried to draft that amount from my account without my permission. Which caused overdrafts in my account.

I repeatedly told them never draft the funds from my account- I will mail a check and not to call me at work or on my cell phone because I am working and I told at least 7 different people the address and amount of the payment I mailed and they would NOT stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX  companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX I wrote both the XXXX Credit Bureau and Bank of America stating that I have never had a credit Card Card from Bank of America, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : XXXX says they checked with Bank of America and their records are correct. 
My ReplyXX/XX/XXXX letter to both requesting copies of related charges. 
BOA reply XX/XX/XXXX : or records indicate we are reporting correctly my response to bothXX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX XXXX sent exact same information that sent XX/XX/XXXX my responseXX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from XXXX XX/XX/XXXX BOA form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time BOA wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. XXXX same as before we have contacted BOA and their records are correct. BOA form letter says they checked their records and are reporting correctly.

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.

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 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items

: 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
On XX/XX/2018 sent certified validation letters to XXXX to verify debt of {$450.00}, {$36.00}, {$740.00} from 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