vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  transferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All  XXXX  bureaus as showing the originals  XXXX   XXXX   XXXX   XXXX  account as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX , Transunion, and   XXXX    are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.

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 2017-05-23 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   tr  ansferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All   XXXX   bureaus as showing the original s  XXXX    XXXX   XXXX   XXXX   ac  c ount as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX ,  XXXX , and Experian are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.

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 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: URS Holding, LLC
State: AZ

Complaint narrative:
This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: NJ

Complaint narrative:
all   XXXX   bureaus fail to remove  XXXX   XXXX  from 3 years ago!   no replies no response numerous request to investigate with no action taken

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 2017-05-23 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: NJ

Complaint narrative:
all  XXXX  bureaus fail to remove  XXXX   XXXX  from  XXXX  years ago!   no replies no response numerous request to investigate with no action taken

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 2017-05-23 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: CA

Complaint narrative:
I have been paying my student loan  6-7  days ahead of time and {$20.00} more than the minimum payment amount for over 5 years. I recently moved from the  XXXX   XXXX  to the  XXXX   XXXX . My bank on the  XXXX   XXXX  is not on the  XXXX   XXXX . I opened a new bank account here. I made changes online to my Navient account on    XXXX   XXXX   XXXX     . I filled out information for my new bank online and signed up for auto debit. I received an error message online following my submission. I called to follow up with  Navient  who said everything had been processed, my next payment would be taken from my new account, and my old account had been deleted.     Two months pass and I receive notice from my previous bank on the  XXXX   XXXX  that my account is negative {$300.00} due to multiple attempts by Navient to collect my payments from this old account. I spent  4  hours on the phone with Navient as well as my old bank to resolve this issue. Navient claims they did not remove the payment. My bank claims they did not send the payment. Both parties are blaming the other. I was responsible and did what I should to make sure my payments remained current, and ended up spending  4+  hours on the phone and paying {$120.00} just to settle the situation although it was no fault of my own.     It is completely absurd that people who are paid and titled " customer service representatives '' expect you to figure out who made the mistake and send them supporting documentation to fix the error when the error was clearly either my bank or Navient. I believe it was Navient because I have several other accounts that I had no problem transitioning to a new bank for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file 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 2017-05-23 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: OR

Complaint narrative:
Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This complaint is in reg ards to Navient recommending practices of loan repayment that are poor for both the U.S. governme nt in reducing debt and for the borrower. My current interest rate is at such a high rate that I am paying approximately {$820.00} a month in interest. Recently I re-enlisted in t he " Income Contingent Repayment Plan ''. During the course of my conversation with th e individual it was recommended that I seek another repayment option if my current plan was too high. He said that my monthly bill would go below {$400.00} per month. At that rate I would add over {$400.00} a month onto the principle once the interest is capitalized. the overall amount of money borrowed to go to school is already greater than what I actually borrowed. This is not a new tren d for Navient or in general  any student loan servicer. At that rate the overall student loan debt would continually increase across the board. These practices will lead to a student loan bubble collapse that could exceed  XXXX   XXXX  dollars worth of financial damage. Also during those interactions, I discovered that they have an automated system once I submit my application for income contingent repayment that removes my payment during the 15 day processing time frame and places me into forbearance. Because I have automatic repayment from my bank account I am given a reduced rate of 7.0 % from 7.25 %. However, because my payment is put into forbearance I have an increased rate up to 7.25 % for those 15 days. On average that me ans that Navient will make a n extra {$100.00} on my account. While that amount in general is not substantial to me, when it is expanded out to the number of people who have to submit applications for income contingent or income dependent plans the number grows to several  XXXX . Then, when you expand that out to the minimum repayment  of 15-20 years per plan it becomes evident that Navient is simply looking to increase profit against unsuspecting or unknowing consumers. I believe tha t this company represents a threat to the financial well being of this country, and they need to be handled accordingly.     Sincerely and looking to offer more insight into my dealings with this company,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar took over my mortgage from  XXXX   XXXX   XXXX   XXXX    . I have copies of every check made out to Nationstar and cashed by  Nationstar  showing paid on time, but they are reporting m e 30,  sometimes 60 days past due. I get harassing calls  3-5  times a week. I have repeatably spoken with supervisors ( all documented ) and they have not fixed the problem. They have caused me to pay higher interest rates and I can not qualify for a new home loan because of their fraudulent reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I purchased a home in  XXXX  in cash for {$14000.00} and then refinanced the same year through  XXXX   XXXX   XXXX  for {$30.00}. I was involved in a car accident in  XXXX . This caused me to fall behind in my payments. I still tried to make the mortgage payments but  XXXX   XXXX   XXXX  began to stop taking my payments. A short time late r Ocwen Loan Servicing introduce themselves as the new Leander that was taking over the loan. I began  to work with them in regards to getting an affordable modification. They modified the loan but the payments were not affordable for me. I tried to continue to work with the bank in getting payments i could afford so that I could keep my home. But to this day no resolution had been reached. Currently I had been notified that there is a Foreclosure day set for  XXXX / XXXX / XXXX . Also at the same time Ocwen notified me that they owed me {$1100.00}. The check was also enclosed with the letter. This settlement was given to all borrowers that they tried to foreclose on between  XXXX   XXXX   XXXX   XXXX ,  XXXX  and did not follow through with there actions. At this point I do n't want to loose my home behind unwillingness from this bank to assist in helping me to obtain a affordable modification. I would appreciate any help or assistance your institute can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: MS

Complaint narrative:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in   XXXX   XXXX   and   XXXX   XXXX   financed it. I got behind in   XXXX   XXXX      XXXX   XXXX  , and   XXXX   XXXX  . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

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 2017-05-23 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: MS

Complaint narrative:
I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and   XXXX   XXXX   financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.

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 2017-05-23 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: FL

Complaint narrative:
I have  two student loans with Navient, one was charged off, the other one  remains in good standing. My loans have been deferred while i 'm in school, I have never been out of school. This information can be verified via student clearinghouse. I recently discovered upon checking my credit report, that Navient charged off  one  of my loans, and is now having a collections agency collect funds on the loan. Prior to the loan being charged off, I never received any correspondence via telephone or mail. Navient did not make an attempt to contact me at all regarding my student loan. Upon discovering that my loan was charged off, I immediately contacted navient via telephone. I was informed that my loan had been charged off because I stopped attending school. This information was incorrect, as still to this date, i have never stopped attending school. If this were correct, then why had n't my other student loan with them also been charged off? The other loan still displays a " deferred '' status. I explained to Navient that I was never contacted regarding my loan, and to please provide me with when they attempted to contact me before placing my loan in a charge-off status. I was not given the information, and was told that I needed to speak with the collections agency, as nothing else could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: FL

Complaint narrative:
I have disputed multiple  XXXX    XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed multiple   XXXX   XXXX   accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

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