vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: HI

Complaint narrative:
This the letter I sent to our new mortgage provider We have learned that our mortgage has been sent to you and that at some point Stearns decided to send in the paperwork to foreclose on our house. 
We have been fighting with them for two years over mis-managed payments by us for our mortgage. 
Stearns says we owe {$13000.00}. 
By our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}. 
We owed {$44000.00}. 
Total behind {$4000.00}. 
And there is an escrow of {$1700.00} They have tried to tell us on more than one occasion that we didnt have insurance, we sent proof otherwise and they have never fixed any of the issues that we spoke to them about. 
Stearns Lending created escrows on our account in XX/XX/XXXX and in XX/XX/XXXX claiming we did not have insurance. Both times we had the insurance and presented proof. It took a considerable amount of time for them to realize we were correct and get rid of the escrow. They told us each time, that we needed to send them a letter stating that we wanted the escrow that was created in error, to be removed. Each time this happened it extended the amount of time of the escrows existence and made us late on payments we were making due to the incorrect information they had on file. 
This situation also affected our credit adversely. My wife 's and my credit plummeted. They finally fixed the error and our credit went back up but never fully recovered. I have attached photo evidence to show what Stearns has done to our credit. From my conversations with XXXX at XXXX XXXX, the mortgage was never returned to the original amount as was discussed and written in a letter from Stearns after removing each of the escrows. 
A lot of pain, suffering and financial burden has occurred from what Stearns Lending has done. 
The emotional pain has been huge. Arguments, talk of divorce, total dissension in our home. 
We have not been able to do anything with our credit since this started in XX/XX/XXXX. We wanted to get a home equity loan to add solar, and air conditioning and lower our payments. We could not. 
As we are fighting the claims by Stearns on how much we owe, we are falling further and further behind. 
One reason for this is XXXX XXXX, the company Stearns sold our deed to, told us not to pay until this is resolved. 
There have been two recent escrows created because of property taxes not being paid on time. That was caused by the state of Hawaii and filing issues that we are also currently dealing with and paperwork has been filed. 
Even with that we do not owe them nearly what they claim we do.

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 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX XXXX XXXX   ) to correct my record by putting all of my additional payments toward the principal balance. I was told that this practice is supposed to be automatic. Since I signed up for paperless billing, I checked regularly on my borrower 's portal and I use the portal to access my loans information. XXXX XXXX also uses the same portal to communicate with me. On XXXX, because I haven't heard back from XXXX XXXX, I logged in to my account and sent an email directly to XXXX XXXX  to address my concern of 1 ) not receiving any response, 2 ) inaccurate payment allocation practice. Then, on XX/XX/XXXX, I noticed that XXXX XXXX had blocked me from accessing my own account. Still today, I have not been able to review my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: NM

Complaint narrative:
I have been trying to contact navient to explain my loan and interest and cant get through. In the event I am able to speak with them they tell me there is nothing that can been when it clearly states on the website that I do have options as far as income driven repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
Opened a credit card account with first national bank of omaha on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. First national bank of omaha sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help

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 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been trying to get a " HARD Inquiry '' removed from my Equifax report since XX/XX/XXXX with no results. Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX- I do not have any account nor have I inquired for any type of services with XXXX XXXX XXXX . I've called both companies only to be in the middle of neither Equifax or XXXX XXXX XXXX providing a resolution. They both have numerous times said to call the other and today is XX/XX/XXXX 'NO RESOLUTION '' from either entities. 
XXXX XXXX XXXX has said that I do not have an account with them, nor do they have my information for any of their products. Equifax states that they can not delete that inquiry even though XXXX XXXX XXXX is stating I do not exist on their system of records or credit inquiry for their products. 

How did Equifax generate a letter stating that the item has been verified and is accurate when XXXX XXXX XXXX does not have any records of my personal or S.S. # to their system?? I need help Equifax- I now understand why Equifax had breach problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge fraudulent accounts on my Experian credit report. FTC ID Theft Report # 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 2018-05-15 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: GREAT LAKES
State: TX

Complaint narrative:
Good Afternoon, I had an account with Great Lakes for a FFEL Consolidated Loan. I defaulted on the loan due to unemployment. They were able to get my tax return refund from the IRS. I understand that they can do that. What I don't understand is they also increased my balance by over {$1000.00} with no explanation. I am employed now and I am making payments, but I didn't if what they did by increasing my balance is legal. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX. There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. XXXX has since sold this info to XXXX XXXX XXXX  and now they are harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX I opened an account with the purchase of furniture with the agreement of 12 mos. same as cash with an ending date of XX/XX/XXXX! The credit limit was {$4500.00}, and I set up an automatic monthly payment of {$450.00} a month to pay it off in the 12 mos.! On XX/XX/XXXX I added to my account with another purchase of furniture in the amount of {$320.00} that in my mind has nothing to do with the previous purchase even though it is the same account! The account was being paid every month like clock-work as it was on auto pay! On XX/XX/XXXX I made another furniture purchase of {$3800.00} which was also under a 12 mos. same as cash agreement separate from the first that expired on XX/XX/XXXX but was on the same account because the first agreement was about to be paid off, it had 2 more mos. of payments! According to the statements the balance was {$500.00}! However for some reason they charged me a late fee of {$27.00} on XX/XX/XXXX and I must admit that I didn't watch this account like I should have because it was on auto-pay! After the Purchase on XX/XX/XXXX I set up auto-pay in the amount of {$320.00} a month which would have paid off the {$500.00} in the two months left on the first purchase! However they charged me {$790.00} interest on XX/XX/XXXX stating that the account still had a balance on it. Well with the other two purchases of course it had a balance on it but that has nothing to do with the monthly regular payments made to pay off the first purchase! And they did the same thing with the second purchase at the end of the agreement they said I had a remaining balance and charged me {$1000.00} Interest on XX/XX/XXXX! All is done and paid off, I paid {$580.00} on XX/XX/XXXX to leave the account a balance of {$780.00} which is the interest charge for the first purchase, but they say my balance owed is {$1800.00} which is all the Interest that they have charged me on this account unjustly! I have tried to talk to them about it but I can't get an answer on the phone, and I have received two letters that basic state that I had a balance on each charge of interest which is not true. If I had a balance it would be more on the balance now than just interest! And also remember I made a purchase on the account back on XX/XX/XXXX for {$320.00}, ALL PAID OFF!! Before XX/XX/XXXX! And I PRAY that this is not being done to anyone else, it is very upsetting to 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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP
State: CA

Complaint narrative:
For the past two weeks, I get daily phone calls for someone else. I have repeatedly asked them to remove my number as I am not the person. They have told my for the last five days they are going to ; yet I still get numerous calls daily. HELP ... .handicap family here and the repeated interruptions as very unnerving

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # 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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
They report false amount to my credit convergent outsourcing is XXXX XXXXXXXX

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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX was contacted XX/XX/2017 by telephone and requested to disconnect security services at my home. XXXX was called several times to address problems with the security since the first day it was installed. The system would not stay connected to the internet so the alarm system camera would not work. 
I was with XXXX XXXX XXXX several years my contract had ended when I informed them I no longer wanted their services. I received correspondence from the Trans World Systems Inc. a collection agency to collect on the debt. 
I do not owe XXXX any money. I would appreciate your assistance with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. 

Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. 

During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! 

During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. 

When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. 

I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I have received 11 robocalls from XXXX since XX/XX/2018. Finally a human connected today. 
Person identified as calling from " Diversified Consultants on behalf of XXXX ''. 
Asked for my home address and last 4 of my social security number, without explaining why she wanted this info. 
When I asked why, she would not tell me. Nor would she give me the company address. 
I asked to speak to a supervisor. Supervisor XXXX joined the call. Again asked me for my address and social security number. I again asked WHY they wanted this information ; I do not want to provide this info to a telemarketer or scammer. 
XXXX said she would not tell me why they were calling unless I gave them my personal data. 
I refused, and asked for their company address so I could register a complaint with my state. XXXX hung up on me. 
I looked up the phone number online, and apparently Diversified Consultants is a debt collector. 
I have never been a XXXX customer. I don't have television/cable service. 
They never did say why they were calling, nor did they identify themselves as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
As of XX/XX/2004 the company XXXX XXXX XXXX ( for XXXX University ) has been trying to collect this debt. I had asked for info, got the information. Since then they have signed me up saying i owe them for a course through their university. I have never received any books, test or even taken any course from their university. I have repeatedly sent letters to collection companies saying I do not owe this and have reported them to the credit bureau. This has been going on for 14 years and I am tired of this. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Contacted Transunion XX/XX/17 about inquirys being removed and also change suffix to XXXX. 
inquiries desired to be deleted, customer service ( Transunion employee XXXX XXXX would not help and take care of the negative inquiries reporting to my 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 non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX.  There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. Sears has since sold this info to XXXX XXXX XXXX and now they are harassing 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 monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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