vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I fell behind on my mortgage for two months and attempted to make up a payment arrangements with the company ; however was unsuccessful. When I made a payment, it was returned to me. I received a letter from their lawyer stating that I was in default and property will go into foreclosure if full arrears wasn't paid. I did not have the monies to pay the amount in full. When I called the lawyer office, they did not have a resolution for me other than pay the amount. I called the mortgage company and they suggested that I attempt to apply for a loan modification. I completed the application with the help of Neighborhood Housing Services of XXXX. I received a court date. Filed my answer and appeared in court. Court appointments lasted from XX/XX/XXXX to XX/XX/XXXX. I completed the full application about five times and additionally, continued to send them additional pay stubs, bank statements, hardship letter repeatedly every month. I kept in constant communication with the lawyer who all documents were sent directly to ; however, every month I would receive a letter stating that my modification package was incomplete. Every court appearance was dealing with documents that they did not receive hat I had fax confirmation to sending to the lawyer office. The judge lost his patience and dismissed it for myself and the bank to complete. I felt that filing Chapter XXXX was best to save my home but I would like for a fair chance at modifying the loan and dismissing the bankruptcy. I feel that I was not treated fairly. The communication between the mortgage company and myself was very poor and I feel as if I was given the run around from the beginning. My plan is to remain in my home. I now have sufficient income to sustain ; however, I can not afford to pay the bankruptcy and mortgage and maintain my home. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NY

Complaint narrative:
I have been paying my loans on time every month for 10 years. My loans were consolidated with Navient ( then XXXX XXXX ) in XX/XX/XXXXor XX/XX/XXXX, before the PSLF program was started. I work for a Qualifying XXXX and have for more than 10 years. Many, many years ago after the PSLF came out, I called Navient/XXXX XXXX to discuss PSLF. I was advised to continue to make my ontime payments and more information would be given to me as the details emerged. In the past few months, I have found out that my loans through Navient do not qualify for PSLF. 

I have had opportunities over the year to move into for-profit work making 1.5 or 2x my salary. I did not take these jobs thinking that the lower pay was worth it now that I would be getting my loans forgiven. 

I just tried to talk with the company again who basically told me I would have to re-consolidate with Direct loans and start all over. I would have done this at any point over the last 10 years had I known that I would not be eligible. Navient has bad business practices and should be held accountable for the inaccurate information given by their call center representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
Today XX/XX/2018 XXXX a debt collector called me repeatedly 18 times in a row. XXXX never leaving voice mails just constant calling while Im at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/XXXX from XXXX XXXX XXXX XXXX that we could have our PMI insurance removed. We sent in a check by certified mail XX/XX/XXXX as requested for a home inspection. We never heard from the assessment agent. XX/XX/XXXX our check is returned stating that the assessment agent could not get hold of me. XX/XX/XXXX we again asked for the PMI insurance removal and sent another check by certifed mail. With a note stating that I am hard of hearing and that the agent must speak slowly leaving a message since I don't hear my phone ring most times to set up an appointment. XX/XX/XXXX sent another certified letter asking what is going on since I have not heard from the assessment agent. No response. XX/XX/XXXX filed a complaint with the Office of the Comptroller of the Currency. XX/XX/XXXX received a letter stating that my complaint filed is no longer under the jurisdiction of the OCC has to be filed with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, Bank of America,XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a Bank of America researcher, case # XXXX. The researcher called me 3 days later and said there is nothing Bank of America can do because the check cleared. I told my maid and she called the manager at her XXXX XXXX Bank to relay this information. XXXX XXXX said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in Bank of America on XX/XX/XXXX and the XXXX XXXX XXXX letter saying my check returned unpaid [ bounced ]. My BoA account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from BoA. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}. I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY?

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
About 7 months ago i lost my job i did find another job but make less money when this issue first happened XXXX and XXXX at XXXX XXXX in XXXX tennessee were amazing they were kind and worked with me to help me from falling farther behind by allowing me to pay {$40.00} per week which i tried my best to do and often did but when i wasnt able they were kind and worked with me recently i went in to pay {$100.00} on my payment and a woman named XXXX whom I have never dealt with was very rude and refused my payment during this visit I also requested to XXXX at the front desk that my wife be removed from my references and not called because i didnt want her knowing my financial business and she told me she didnt want any more calls from them I work in a job where it is very hard to answer the phone and my schedule makes it difficult for me to go to location and i do not have a bank account so i can not make payments over the phone since then I have received at least 10 phone calls per day from XXXX and XXXX with many calls being from their personal cell phones i have the call logs to prove it one day XXXX caught me at a rare time i was able to answer by calling me from her cell phone she apologized for XXXX 's attitude and said she would work with me I requested that XXXX no longer work my account and she said she would make note I told her I would try to bring in money the following business day but my son ended up having a doctor appointment to see a XXXX XXXX and I could not make it and the money I had set aside went to another bill since they wouldnt accept my payment I have inquired about hardship or refinancing to help me catch up and nothing has been offered to me today I have yet again received multiple phone calls with several from cell phones and my wife who was no longer supposed to be receiving calls from them received 3 phone calls I called XXXX the manager to  try and resolve this issue and he did not care about my complaint he just wanted to know when I would be in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MI

Complaint narrative:
Thank you for reading this email and hopefully you can assist me in this area. I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX, which are serviced by American Education Services disbursed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These loans total approximately {$25.00} and I have been trying real hard since I retired in XXXX of XXXX to continue to make these monthly payments. Unfortunately I have run into financial difficulty, now on a fixed income and have called A.E.S.to arrange a lower payments. I was informed that I have to write letters to the lenders of these loans, which was completed asking both lenders to lower the monthly payments. I received replies of " unable to grant your request '' from both lenders. I again called A.E.S. again to find additional solutions and they tried to get me a " Modified Graduated Repayment Schedule '', which also was denied. I have run into a brick wall with this situation. I have offered to make lessor monthly payments to continue to pay something on these loans where the extra money will assist me with my mortgage payments. The only option they offered was a 'Hardship ' for one ( 1 )  year, which to me does not help the issue much, and to re-finance the loans for 25 years. I ask for help and guidance in this matter and look forward to addressing my concerns about how we as a Country struggle with defaulted student loans when the lenders of these type of loans fail to help the borrowers when in need. Again I look forward in talking with someone from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-03-28 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I noticed some unknown hard inquiries on my account from the source : XXXX XXXX on the dates : XX/XX/ XX/XX/XXXX XX/XX/ XX/XX/ I called the company numerous times and they constantly told me I needed to call XXXX  and XXXX  says I need them to handle the matter. The company is giving me the run around and I no longer can deal with the stress of no one trying to solve my problem.

Company response to consumer: Closed with explanation