vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times. 
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do. 
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX, XXXX, I took out a GE Bank Care Credit card, in the early morning in XXXX, PA because I could not afford a veterinarian bill to save my dog after being hit by a car. I filled out a form, and the rest was done over the phone. I never received a card, and believe I have paid this account in full. I feel like there is a lot of interest, when I was led to believe there would be no interest because it was a medical card. They said I could use it for my own medical reasons as well, and that is why there is no interest. 
Today, XXXX XXXX XXXX, I spoke with XXXX ( would not give me last name ) who is a recovery specialist, and was very rude, while I tried to get a record of my payments, and account balance. He told me that since the credit was sold to XXXX XXXX XXXX XXXX, that I had to write a letter to Synchrony bank ( who bought the Care Credit card from GE Money bank ), and they would review it, and determine if they should send me the information I have requested. I tried to get transferred to a legal department, or someone else who could help me, but he refused. He then said he would transfer me, but he did n't " have any control over where the phone call get sent. '' I was then transferred to a line that sounded like a fax machine. This person spoke with a heavy foreign accent which also made it hard to understand him. I felt like I had to repeat myself multiple times for him to understand me as well. 
I remember making a payment and being told I did n't owe any more money in XXXX, and I think it was a {$300.00} payment. 
The debt has again been given to another company by the name of XXXX, and now they are calling me. I was an XXXX member of the XXXX XXXX at the time, and have since been XXXX. I am just trying to make sure I am not getting taken advantage of, as I feel like I already have with the care credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX i received a phone call from a debt collector claiming to represent an overdue XXXX account. I did not recall being a XXXX member and was suspicious.After checking the collectors name online multiple results came up calling the company a scam particularly claiming past due XXXX accounts. When the collectors called me again i called them out on the scam and the warnings on the web. i did not hear from them again until XX/XX/XXXX when another collection agency called me under a different name but with the same past due XXXX account. unlike in XX/XX/XXXX i demanded some form of paperwork proving any such deal between myself and XXXX.no such paperwork could be produced but they did send me a bill wich i have kept on file. They identify themselves as Diversified Consultants , Inc . ( D.C.I. ). I checked them online again and more warnings came up as results on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
We have tried repeatedly to get Navient to transfer our stafford student loans to XXXX because both my husband and I work for XXXX and would qualify for public service loan forgiveness, but each time we apply they deny us saying we did n't file the right paperwork or ignore us altogether. We have applied 3 times and twice they did n't even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have had a loan with XXXX but all of a sudden I have not been able to access my account. Navient calls me and tells me that I need to pay them. I tell them send me a statement in the mail so I have proof of this bill. It has been almost a month and I have not received a statement and on top of that I am being harassed by Navient every day. Still no statement has been sent. I should have some assurance that my payments are going to the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I graduted on XXXX 2007, from XXXX XXXX XXXX, right now my student loans is about XXXX or more, I ca n't paid my loan, I 'm single mother of XXXX, work XXXX hours a week to paid rent, utilities, food etc. I would like to know if XXXX charge me a lot of money got a my XXXX, I do n't work in computers, they didnt help me to find a job. So I would like to know if I have a case. My credit is so poor right now, that I ca n't even buy a house o a car. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP. 
It 's about money, right? Here it is then. 
Thank you, XXXX ) The Full name does n't fit in the required placement. 
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR 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 2015-07-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: OH

Complaint narrative:
I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX debt for XXXX that is paid in full and on time. On 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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The students loan were reported twice. 
XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed The other account is from XXXX that appear 5 missed payments. This account was pay in full and in the credit information is incorrect.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

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 2017-03-02 00:00:00
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian sent a letter stating someone had tried to change my name, ss#, or address.  Because I had a security freeze on my credit they were required to inform me in writing within 30 days.  Then referred me to their website to view my credit report for a $XXXX charge.  I did receive the report with no changes made and now they are charging me an additional $XXXX  This is very deceiving in what they try to sell on their website through a scare tactic of someone trying to break the security freeze.  They will not tell you who or which creditor has tried to make a change so they are just ripping everyone off by using this scare tactic and charging the $XXXX every time they send one of these letters out.

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 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The credit XXXX sold or assigned the loan to a credit collection agency XXXX, and the loan was paid off in full on XX/XX/2016. We have a letter of satisfaction from XXXX ; however, XXXX is still showing a balance and a charge off. This needs to be cleared/updated. 
The same situation with XXXX, they sold the loan to XXXX and the loan was paid off in FULL on XX/XX/2016. We have a letter of satisfaction. This also needs to be cleared or updated from our credit. 
Please advise on how to get this done.

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 2015-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. 
XXXX XXXX XXXX I sold house. 
Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. 
Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg and saving accounts to new address with daughter. During that mtg I inquired on using monies from assets advised a penalty but could take a personal loan out using assets, XXXX XXXX took personal loan for {$50000.00}. payments from ckg account $ XXXX % XXXX Was XXXX for months. upon return I was notified a LIEN ON PROPERTY XXXX CALLED BANK IMMEDIATELY TO CORRECT XXXX. 
BofA closed old account changed % XXXX but continue to keep as HELOC and LIEN ON PROPERTY .... FOR PAST 8+ YEARS HAVE TRIED TO CORRECT THIS WITH NO AVAIL IN XXXX BOA FINALLY TOOK OFF LIEN AND NOW STATE IT IS A UNSECURED LOAN WITH INTEREST PAYMENTS FOR 180 months ( 10 YEARS ) I HAVE SEVERAL LETTERS FROM REPRESENATIVES WITH DIFFERENT STORIES ABOUT THIS SITUATION BUT ALWAYS ENDING WITH THE SAME DOCUMENT SIGNED IN XXXX AS BINDING LEGAL DOCUMENT ... EVEN THE CEO OFFICE ADVOCATES COULD NOT GET IT STRAIGHT NO LIEN YES A LIEN NO HELOC YES HELOC PLEASE HELP ME I HAVE EVEN HAD MY XXXX AND PRIMARY DOCTOR WRITE AND ASKED TO RESOLCVE THIS AS IT IS MAKING ME ILL. MY HUSBAND WAS AXXXX YEARS XXXX WHO PASSED IN XXXX XXXX HE SERVED A TOTAL OF XXXX XXXX YEARS FOR OUR COUNTRY HIGHLY DECORATED I HAVE TOLD BANK OF AMERICA MY INTENTION HAS ALWAYS BEEN TO PAY THIS THIS IS NOT MY DISPUTE BUT THE WAY IT HAS BEEN HANDLED NOT TO MENTION THE AMOUNT TO BE PAID THEY CHANGE THE AMOUNT FROM {$430.00} TO $ XXXXNOW THEY SAY I LIED TO THEM I SOLD A HOUSE DID NOT TELL THEM. ALSO THEY CONTINUE TO SEND XXXX FOR WHAT? PLEASE FEEL FREE TO CONTACT ME IF YOU NEED ANY ADDITIONAL INFORMATION. EVERYONE I ASK FOR HELP TELLS ME BANK OF AMERICA IS TOO BIG TO PLAY WITH ... THANK YOU IN ADVANCE FOR YOUR CONSIDERATION IN THIS MATTER ... XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation