vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 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: AES/PHEAA
State: CA

Complaint narrative:
All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richard B. Maner, P. C.
State: GA

Complaint narrative:
I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.

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 2017-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}

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 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I have a past due charge off with Midwest Acceptance that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XXXX XXXX, XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, Midwest Acceptance is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XXXX/XXXX/XXXX even though the account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: LA

Complaint narrative:
I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am currently 90 days behind on my mortgage and have been attempting to reach a Loan Care loss mitigation specialist for 30 days. Loan care put me in a repayment play that I was unable to maintain. When I attempted to call I was hung up on multiple times. I called on XXXX at XXXX pm. XXXX at XXXX, XXXX at XXXX. and XXXX at XXXX. each time I was placed on hold and disconnected. Today I submitted a 21 page fax to their loss mitigation fax line as the only two ways to send it is via mail of fax. I included my pay check stubs, lease agreement, proof of other income including child support and Notary work. I also included the expense form and complete application and letter of explanation. I tried to log into the company website today to make a payment but they have cut off my access to do so. I need help reaching a person to work this out. I have consulted with a XXXX attorney and will be filing a XXXX XXXX if they are unable to help me save my house. I reviewed the FHA modification information and I qualify for a modification but I am angry that they keep giving me wrong information.

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 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. 
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. 





I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting two accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.

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 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I sold merchandise to a consumer. However, just days before taking delivery of the equipment, the person made a fraudulent credit card chargeback request and THEN took full delivery of the merchandise as if nothing had happened. 

Subsequently, I informed that buyer that I was filing a lawsuit against them for fraud. The buyer then called Chase Bank back and informed then to rescind the chargeback request and his purchase was indeed valid. Chase Bank informed their client that the matter had been resolved as of XX/XX/XXXX. Yet Chase Bank has refused to put the {$15000.00} back into my account. In effect, Chase Bank has stolen my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.

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 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.

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 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: NC

Complaint narrative:
My case for X/X/2010 should not even be on my record at all anymore for anybody to see. I was told in court that it would be gone and nobody would be able to see it anymore and XXXX XXXX was also pulled up on my background check and should not even be on there. This is causing me not to be able to get my job and it should n't be on there.

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 2017-11-01 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: Stellar Recovery, Inc.
State: VA

Complaint narrative:
I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX. 
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them. 
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX. 
XXXX XXXX are still reporting incomplete, and inaccurate information. 
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction. 
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established. 
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was not informed the payment was due. I was in XXXX Texas at the time dealing with a natural disaster hurricane disaster flood.

Company response to consumer: Closed with explanation