vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I logged into my navient account in XX/XX/2018 to make my normal monthly payment as I always do. I was not past due or anything abnormal. I went to make my payment and my total due said {$0.00}. I was very confused as to why it said my monthly payment of {$270.00} was showing nothing due at this time. I decided to call navient to see what was going on. The customer service rep said oh we are giving you a disaster relief forbearance. I was totally confused. I said what was the disaster? She said due to the fires that were currently happening in california they decided to turn off my account and give me 3 months of no payments to help me out. I told her that I did not request this and did not receive any email or letter in the mail about it. I made sure to ask her if I would be penalized for it i chose not to pay within those 3 months or if i would be charged any crazy interest or anything like that. She assured me that my account was completely turned off and it would not be accruing any interest and to resume payments in XXXX as normal. XXXX came around and i logged in and made my normal payment. I made another payment in XXXX as well as XXXX. I go log in this month to make my XXXX payment and I happen to notice that my account balance has not gone down whatsoever. I look at my payment history. For XXXX i paid a remaining balance of {$120.00}. ( i chose to pay {$150.00} in XXXX when my account was turned off ) The entire amount went to interest. For XXXX i made a payment of {$270.00} and the entire amount went to interest. For XXXX i made a payment of {$270.00} and only {$30.00} went to principle. I called navient and asked them why i had made payments totaling {$670.00} and only {$30.00} went to principle. they had responded saying its because my account was turned off and i owe back interest. I told them i spoke to a representative that did not give me the option whether or not to turn off my account and that it was their decision without even informing me and now im being penalized for capital interest. I told them to reverse the charges and they refused. they also told me my loan was extended for 3 months due to the account being turned off. i was furious and they basically told me there was nothing they could do. i feel completely scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have called and i have sent certified letters to Experian all with return reciepts as proof of delivery. 
I reached out to Experian about a fraud address on my report. They did an investigation and removed the fraud address from my report. 
When they removed the fraudulent address from my credit file they should have also remove the fraudulent account associated with that address. 
XXXX is not my account. ( past due180 days ) ( {$7200.00} is not my account ) This account was not open by me or anyone i know. 
( NO OTHER CRA IS REPORTING THIS AFTER THEY DID AN INVESTIGATION ONLY EXPERIAN. XXXX REMOVED IT, XXXX REMOVED IT. THEY DID A PROPER INVESTIGATION. ) I will be filing a law suite against Experian and will be seeking damages for all of the pain and expences that Experian has caused me and my family and for not doing a proper investigation into the matter. 
When i ask that you investigate an account and you just simply verify the account with the creditor and consider that a proper investigation, then you are very wrong. 
I will be giving you one more opportunity to do a proper investigation before i file suite in my county and state against you.

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 2018-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I notified Mr Cooper That My husband the borrower of our mortgage has past away on XX/XX/18 I told them I would be having difficulty Paying mortgage. I immediately Filled out all paper work for hardship modification. In more then 10 years I never had a late payment. I was a good customer. I was denied within days I was scared. I asked if they could offer any kind of forbearance with many mortgage companies do they said no! I asked if they could help in any way the answer was the same no! The only thing was to be late and repay it over the nextt month but that would damage my credit. No money no credit I was just appalled how terrible this bank treated there customer. No option for someone in hardship. Except go further in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I started my permanent modification payments of {$1100.00} with well fargo on XX/XX/XXXX. They did and escrow analysis in XX/XX/XXXX starting with the XX/XX/XXXX payments and never credited the payments made in XXXX, XXXX and XXXX therw for my escrow came up very short the same in XXXX they 4an an anlysis for a year and a half and escrow was short again. In XXXX of XXXX I started dealing with them as far as reasearch and i kept being told they they i still researching this during this time they accepted the lower payment until XXXX and in XX/XX/XXXX we were served with forclosure papers. I advised them our homeowners insurance and taxes were lowered and asjed them to reanalyze the escrow in XX/XX/XXXX, they refused at this point we are trying to modify the loan again because we cant afford the XXXX payment due to all the escrow shortages they are charging us for and now as of XX/XX/XXXX WellsFargo is transferring our loan serving to 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 2018-09-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XX/XX/XXXX Certified Mail No : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA   XXXX XXXX XXXX, GA XXXX Select Portfolio Servicing, Inc XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, UT XXXX XXXX : NOTICE OF VALIDATION OF ALLEGED DEBT Your File : XXXX Loan No : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA   XXXX Dear Sir, This letter dated XX/XX/XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the Fair Debt Collections Practices Act as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt,  per The Fair Debt Collections Practices Act, FDCPA. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under FDCPA to cease and desist ALL collection activity until validation of the original note is provided. 

This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. 
Please provide the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 
3. Provide details how the alleged debt was calculated. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 
4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5.  Provide copies of any papers that show that I agreed to pay the alleged debt. 
6. Identify the original creditor. 
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 
8. Provide evidence that the Statute of Limitations has not expired on this account. 
9. Provide evidence that you are licensed to collect in my state. 
10. Provide your license numbers and the Alleged Lender 's Registered Agent. 

Please provide the above information within five ( 5 ) business days from the postmark date to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC
State: NC

Complaint narrative:
The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, XXXX, Transunion ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc

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 2018-09-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, Experian, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc

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 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC
State: NV

Complaint narrative:
-They have called multiple times a day since XXXX. 
- They never sent me an initial letter. 
- They never had permission to call me as I revoked permission to call me with XXXX XXXX before I ever owed them money. ( which I dont owe them money ). And I revoked the arbitration clause as well ( which is unrelated to this ) -I had told XXXX XXXX my mailing address which was not the address on my license so they should have had it. 
- They call before XXXX frequently. 
- They won't tell me when they initially supposedly mailed the first letter. 
- I was dealing with alot of XXXX, baby being sick, being XXXX, XXXX XXXX, having my XXXX and baby taken out and these people were still calling. 
- I even went on a vacation and they were still calling. 
-Before I even asked them why they were calling me in XXXX I noticed there number was calling me. I had someone look up the number and give me their name and address. I mailed a letter to them asking to not call me anymore in XX/XX/2018. Nothing stopped. 
- I finally started calling them back and researching their website and sent a few emails. 
- There phone calls have really annoyed me and my family. 
- They hace disturbed me and my family waking us up out of our sleep. 
- I am tired of them. 
-They have called so much. To much.

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 2018-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM

Complaint narrative:
I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions ; original creditor name XXXX   balance owed {$290.00} XX/XX/2017 when it was opened. 
I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Capitol One there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
I completed what was supposed to be an easy refinance of my current student loan with this company. Another company issued the payoff check of {$13000.00} and Discover confirmed receipt of the check on XX/XX/2017. However, they never credited the check to my account so my account became past due and subsequently reported to the credit agencies. I called in XX/XX/XXXX have this rectified, I was told it would be taken care of. I called again in XX/XX/XXXX once I discovered it had not been taken care of and they escalated my issue and told me they would charge off the unearned interest outstanding of XXXX. Checking again in XX/XX/XXXX, Discover Student Loans STILL had not charged off the amount and I escalated my matter once again. I received written confirmation that the amount of interest had been charged in error and that they had advised the three credit bureaus of the mistake to remove the delinquency. I checked my credit score today and it had dropped 100 points. Upon running my credit report, low and behold, there was the delinquent account from Discover student loans listed on all three reports. I have filed a dispute to all three bureaus, but I want Discover to be  reprimanded for their inability to follow through with basic financial customer service and borderline fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.

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 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL

Complaint narrative:
In XX/XX/XXXX I was In the process of getting a pre-approval for a home loan when the mortgage company informed me that there were several items on my credit report that were large dept amounts owed. I then told the loan officer to go over information with me so I may contact the creditors. To my surprise these were 4 apartments that were delinquent in the state of Ga. XX/XX/XXXX-XX/XX/XXXX and I lived in Fl. I immediately filed a police report and was advised to put a credit freeze through all the major credit bureaus. I followed up by sending proof of identity to the creditors and the credit bureaus to try and get this resolved quickly. I was able to get all of the apartments removed. However, I was contact recently by an attorney office ( Brett Boarland ) that represents The XXXX at XXXX XXXX in XXXX Ga. I contacted both immediately to get to the bottom of it. The law office told me that they were advised by their client to collect dept of almost {$5000.00} because they have my proof of employment listed as working at the XXXX XXXX in Ga. I have never worked there! 
I have already included in my letter of notice to furnisher proof of identity, proof of address, proof of employment for the past 2 years and I am still being harassed.

Company response to consumer: Closed with explanation