vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a co-signer on a Sallie Mae loan for XXXX of my children. I receive an automated call if the payment is past due, which is understandable. However, it has progressed that I am receiving an automated call on my cell phone and home phone 3-4 times per day. The calls come in succession, after my cell is called within minutes it calls my home number. The calls are answered if I'm available. I know they have voice detection because the automated message does not start to play until after I have spoken. The use of automated calling is unacceptable and a form of harassment. I have previously called and spoken with an account representative, their only concern was collecting a payment. In many cases the payment had been made on-time and not yet posted in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: LHR Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX  & XXXX  credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. 

I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.

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 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent in an application for the Public Service Loan Forgivenesses Program, in order to find out if I was eligible and how many payments I had to complete in order to qualify. 
To which I was told I had the wrong type of loan and I was not on an income based repayment plan. 
Years have gone by, but every year I keep my eye open for any loan forgiveness programs for XXXX. 
This year, it caught my eye that there was a temporary expansion public service loan forgiveness ( TEPSLF ), which if I read correctly expands the program to people paying standard payments on there loan. So I checked with my loan type again. It was unclear to me what type of loan I had, it just specified consolidated on the website, everyone I have called at Navient tells me its a FFEL, however when I requested a history and the mastery promissory note it specifies all direct loans from the XXXX XXXX XXXX Federal Direct Loan Program. I  called my current serviced, Navient, XX/XX/XXXX and I was thrown through hoops to get a straight answer, regarding the information THEY, sent me on XX/XX/XXXX. One person, saying it was a direct consolidated loan, and one saying it was a smart consolidated loan. Someone told me the direct loans werent issued until XX/XX/XXXX and someone else said XX/XX/XXXX. Needless to say, I am uneasy with how my calls were taken. I spent all morning through afternoon with different people and at one point, when I spoke to their branch thats affiliated with the department of education, I was disconnected when I asked how they would rectify the issue. And they have my number they could have called back. Instead, I had to call back and was put through loops again. 
My other issue is that I never personally signed for this consolidation. In the packet, revealing my history and phone calls to my previous loan services I was, which I was given, on XX/XX/XXXX, there was no consolidation application signed by me. Only the mastery promissory note indicating direct loans. I have great credit, on time with payments and I just want someone that can be on my side to show me proof of my loan type. 
My loan has been transferred three times to different borrowers and at some point I truly believe this happened without my permission. 
It went from conduent, to XXXX, to now Navient. But my feeling is you buy the debt you should be able to answer my questions in a straightforward and detailed way. So my ending questions are what type of student loan do I have? And was my debt consolidated without my permission? And what type of loan do I have after it was consolidated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: ME

Complaint narrative:
last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: First Associates Loan Servicing LLC
State: MN

Complaint narrative:
I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: CA

Complaint narrative:
on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?

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 2018-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. 
I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. 
They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Equifax XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : Equifax - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 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: MI

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX  - XXXX XXXX  - XXXX  XXXX Experian - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from 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 2018-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
As of XX/XX/2017 Property was sold at Auction ( on courthouse steps, as is practice in Missouri ). 
Current notices from the " Ditech Financial LLC '' that liquidated that asset, still billing for over {$8000.00} This company " Ditech Financial LLC '' sent notices to the persons that were making payments on my behalf. And demanded that they move out. The company also was telling them that their payments were not enough and were increasing the monthly payment. 
XXXX had been the Lien/ Mortgage holder when I made arrangement with renter/tenant, it was later that " Ditech Financial LLC '' purchased the Note from XXXX XXXX they did not modify the agreement. 
I had a arrangement for my renter/tenant to make payments with a written agreement to transfer the property to them after the loan was paid off. This is called a " Contract for Deed '' in some states.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: The Outsource Group, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX  HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX & XXXX credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank 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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX to repair a washing machine. The first XXXX technician did an analysis and ordered parts charged ( {$210.00} ) to my Bank of America Visa credit card. After the parts were delivered to my home, two different XXXX technicians arrived to affect the repairs. They determined that the first technician misdiagnosed the problem and ordered the incorrect parts. They labeled the parts for XXXX pickup and left them on my front porch on XX/XX/2018. I have a receipt from them indicating a refund for the parts purchased. In spite of numerous calls to XXXX XXXX XXXX and multiple commitments to have the parts picked up by XXXX, they sat on my front porch for almost one month. I contacted BoA regarding reversing the charge. At their request I provided the receipt indicating that the refund was approved ( but not rendered ). After a delay, BoA made a request for additional information that had no relevance to my issue. The request was nonsensical. Calls to BoA did not help. BoA in my opinion just did not want to honor my request in spite of documentation. Their behavior is inconsistent with that of my other financial institutions. I would like BoA to honor my request, supported by documentation and reverse the charge of {$210.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address via the XXXX Online Chat. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated with XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and directly with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX denied and completed my fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to review and remove the account from 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 explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX  for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
Our loan is through Loan Depot 's XXXX Branch and started end of XX/XX/2018. I attempted to pay my first payment on roughly XX/XX/XXXX by check as directed, however the check had not cleared by XX/XX/XXXX. I worked with Loan Depot and they had no idea why it hadn't cleared and then attempted to make a payment over the phone, however i could not make the payment over the phone. After spending more time running around with them, they finally figured out they had changed my loan number and that is why i couldn't pay my mortgage. I then called in to pay my mortgage on XX/XX/XXXX, they then cashed the check i sent 4 weeks prior on XX/XX/XXXX. I contacted them and said this XXXX, you took two payments, you owe me 1 payment back. They called me on XX/XX/XXXX the day my second payment was due to tell me they had sent me a check for the mortgage payment they stole in XXXX. This check was lost and i requested a new check on XX/XX/XXXX. I have been contacting Loan Depot for the past 3 weeks now about the replacement check and no one can tell me anything. This company has stolen roughly {$2600.00} from me and is unable to provide me the funds they stole back. I've wasted weeks now trying to get my money back but am getting no where. I need help getting what is rightfully mine from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation