vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Several times I contacted Experian, XXXX and Equifax formally disputing a debt listed on my credit report from Convergent Outsourcing Inc. Each XXXX listed above insist that XXXX XXXX  contacted them to verify said debt as valid and Convergent continues to report said debt. 

I 've requested validation, varifiable proof, contract and signature for said debt as I do not owe this company, never had a contract with them and do not owe who they claim to be the original creditor. 
Dates and tracking numbers for my letters below : XXXX/XXXX/XXXX XXXX disputed online- Equifax XXXX XXXX/XXXX/XXXX XXXX ( Experian XXXX XXXX/XXXX/XXXX XXXX ( Equifax XXXX XXXX/XXXX/XXXX XXXX ( transUnion XXXX XXXX/XXXX/XXXX ( online dispute- Equifax 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 2017-10-25 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I called customer service to pay off my credit card. They gave me the balance of {$2400.00}. On the same day, I made my payment in full. After making the payment, my account balance was XXXX. On XXXX/XXXX/XXXX, I saw an amount of {$24.00} on my card, I called customer service to find more about those charges. I spoke with XXXX, he was from card services Texas center. He said {$24.00} is the interest charges, after informing him about the whole situation, he said as a one time curtsey they will waive the charges but at that time charges were still pending that 's why he could n't waive it and asked me to call back once its posted. 
I called back on XXXX/XXXX/XXXX and spoke with XXXX from Nevada center, she refused to waive the charge. She said her representatives miscommunicated with me and gave me the wrong information regarding the pay off quote and waiving the charges. She said, she will communicate with her agents on this matter and disconnected the line. She either hung up or the line got disconnected. 
I called back again right away and spoke with XXXX XXXX from Virginia center, she read all the notes written by XXXX on my account and said there is nothing she can help me with.She did n't even go over my account or made any attempt to help me. 

I have made a full payment on my account, if Bank of America XXXX have made a mistake then they should stand behind their mistake and take care of this matter instead of hanging up on me or making excuses. 

I want Bank of America to waive the {$24.00}. 

Thank you 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 monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The school was closed down do to unlawful practices. I attended this school in XXXX an withdrew from the program early due to motorcycle accident broke both arms an a leg, yet the loans were still being processed as if I was still there an I believe to full amount of program which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ceannate
State: CO

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX, NC XXXX about a defaulted student loan. I was well aware of the loan status. I emailed the documentation, and made 5 required payments for rehabilitation, of {$65.00} each beginning XX/XX/XXXX. I was contacted XX/XX/XXXX with a wage garnishment notice from my employer. I was told that because we did not sign the tax document on the correct line, and signed at the bottom of the document, that our documentation was not correct. They also stated that there was not proof of the other student loan payment that I was making, although I sent the statement from XXXX, showing the payment amount of {$130.00}. When I contacted the company on XX/XX/XXXX, I was told that I would have the garnishment amount of approximately {$310.00} along with another 5 months of rehab payment, now at {$350.00} instad of the previous amount of {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: FC HoldCo LLC
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

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 2017-10-25 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: SECURITY FINANCE CORP
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

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 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was laid off from my job on XXXX XXXX. XXXX. I sent a complete workout package to Chase Mortgage and received the incorrect workout option based on Huds guidelines. I have an FHA loan. According to the HUD guide page 613, if one or more borrowers is unemployed then the borrower should be considered for the unemployment forbearance. My husband is employed but since my loss of income, we are not able to pay the mortgage Our gross income is XXXX and net income is XXXX. Our monthly expenses is {$7800.00}. Since there 's been a verifiable loss of income then, we should be receiving a Special Forbearance. This option was not offered simply because my husband works but 2 incomes are needed to sustain the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear CFPB, I am writing again because I need to be clear on this issue. As you already aware, I had placed many complaints against Bank Of America trying to take my home. I placed a complaint Last month XXXX and I see that CFPB closed my complaint. Why did you close my complaint allowing the BOA to have their way? On the response from BOA on my last complaint, they stated that on XXXX per dept of justice they sent out a program for me to save the house. I can clearly and truthfully state that this BANK did NOT do such thing. It is the same behavior pattern as before. LIES. How can they just get away treating customers like this? They get caught and fined a hefty amount as punishment and still go around with these lies. We need to get to the root of the problem. I want all copies of letters sent to me on XXXX like they mentioned. I want the BANK to submit to CFPB of all the letters I sent since XXXX of my issues. Lets get to the bottom of this please. We shall see who is lying. Let Bank Of America take me in front of court under oath. Once again, I have been crying for help since XXXX. And this month they will take my home away. 
I DO NOT WANT TO LOSE MY HOME. MY SON 'S HOME ... XXXX 

Thank you 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 2017-10-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: NJ

Complaint narrative:
CoreLogic XXXX XXXX XXXX a.k.a. XXXX, are providing false inaccurate information about my rental history on my consumer report. 
I provided them with proof from The XXXX County Courthouse of NJ and my current landlord of 8yrs, that i have never been evicted or had any judgements against me. 
However, CoreLogic refuses to remove the negative information, and their representative was refusing to allow me to dispute false information on XX/XX/XXXX2017 at XXXX EST.

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 2017-10-25 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: TX

Complaint narrative:
EXPERIAN IS VIOLATING THE FCRA BY NOT BLOCKING THE ACCOUNTS AND CLAIMING ILLEGALLY THAT they believed I received something from the creditor despite the litany of information I have provided and Osada ruling that REQUIRES THEM TO MAKE CLEAR WHAT IS NEEDED TO BLOCK THE ACCOUNT. Read the law! This was their deplorable response. 

Thank you for submitting your complaint on XX/XX/2017,  through the CFPB Complaint portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. We are currently in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. We received the identity theft report you provided, however, we are unable to block information on your credit report because we have reason to believe the request to block information was based on a material misrepresentation or you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the disputed transactions. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ( Illegal violates the OSADA and FCRA amendments and more importantly post XXXX breach insures the account was compromised the way I EXPLAINED IN DETAIL. )

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 2017-10-25 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: Federal Financial Services Inc
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: MA

Complaint narrative:
I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.

Company response to consumer: Closed with non-monetary relief