vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX   state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. 
I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. 
We are stuck, lost, and in daily fear of losing our home. Please help us. Please. 
I just want to protect the home my mother left to me. 
I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness. 

AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you. 

Feel free to think about that while I do my own detective work. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My home was hit by hurricane Irma XX/XX/2017. I live in XXXX XXXX, Florida. The hurricane damage required me to repair my air conditioning which I could not afford. My mortgage company at the time was XXXX and I called and was offered three months of a forebearance to get back on my feet after the storm. I accepted as this allowed me to repair my air conditioner and fencing that had been knocked down. When three months were I called XXXX to make my XX/XX/XXXX payment and was told they would only accept {$3800.00} and I could not pay one month. I did not have that money as it was spent to repair damages from the hurricane. My loan was then transferred to Bayview and I applied for a modification to put the past due on the end of the mortgage and start making payments again. Bayview denied the modification, refused to accept less than all payments due and filed foreclosure. I have appealed Bayview 's decision to not offer me a modification and their response is that the investor is XXXX XXXX XXXX and I have exceeded the allowable number of modifications. I feel as though I would not be in this position had I not been offered the forebearance to " help me '' after the storm. I am afraid of losing my home because of hurricane Irma. I was current and my first missed payment was XX/XX/2017 after the storm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: NJ

Complaint narrative:
My name is XXXX XXXX. I have been fighting with FedLoan services for quite sometime. I have obtained a lawyer ( XXXX XXXX ) to help me fight against them. Long story short, ( XX/XX/2017 & XX/XX/XXXX   ) their website payment and email system had many flaws. Emails would indicate that a payments are over due. I would visit their site to make a payment, but no where on the site would it indicate an amount, nor would it indicate which loan was due. I have many loans with FedLoan from school. So I would make a payment so that I could at least make some payment so I wouldn't impact my credit, I still continued to receive emails saying I owed money. So I called to see if I could get a consolidation so that I could get a single payment with no confusion. The representative said he would pause payments until he could get approvals for me to get a consolidation. And that if I saw credit late notices on my credit to disregard them and that it will eventually get removed. Well, they never got removed, nor did they seem to want to remove them ( " Its a late payment regardless is the response i got '' ). So I decided to get automatically payments setup so that I didn't have to deal with these problems. Now I have all these late payments in my history and it's destroying my life. I can not get a mortgage or any other benefits because of what Fedloan services have done to me. I have contacted the Federal Student Aid office to have this investigated. In addition, I have applied to have a consolidation with a new loan office to aid me going forward and i am hoping to get approval so that i no longer have to deal with the Fed Loan service anymore. I have contacted them numerous of times to resolve our differences and they refuse to come to terms to help me. They have also declined a " payment of deletion '' offer that was suggested by my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TN

Complaint narrative:
I pulled my credit report and saw that I have an account on my credit file from Enhanced Recovery Company account number is # XXXX with the amount of {$420.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
Loan in reporting as late for XX/XX/2019 and XX/XX/2019. It should be covered by the unemployment deferment period. Acct number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings
State: MN

Complaint narrative:
( Case : XXXX-XXXX-XXXX-DAP Doc # : 91 Filed : XX/XX/19 ) : " What both the Receiver and the DOE did not know was that DCEH and Argosy  were altering their submissions to the DOE to reflect that the Student Stipend had been paid when in fact it had not been paid. Based upon these submissions, DOE advanced all of the students Title IV money. Once the money was received, Argosy and DCEH voided their bookkeeping entries that showed the student had been paid and paid operating expenses with the money rather than paying the Student Stipend. ''

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 2019-04-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX Phone XXXX-XXXX-XXXX Fax XXXX I have been trying to contact XXXX and now ditech financial concerning my Deed of Release. XXXX is the servicing agent listed on XXXX, however they said they sold the debt to ditech. Ref # XXXX-XXXX. 

I need to clear this matter up ASAP Ditech financial is " Clouding my Title '' without proving evidence that I owe a debt. To my knowledge I never took out a second mortgage. 
This is very alarming ... 
Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TN

Complaint narrative:
I pulled my credit report and saw that I have an account on my credit file from AFNI account number is # XXXX with the amount of {$160.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I called TransUnion credit bureau today, Friday, XX/XX/XXXX, regarding an incorrect, wrong status on my paid in full vehicle loan through XXXX XXXX XXXX XXXX. 

The TransUnion representative and/or employee stated to me that his computer screen shows two late payments reported to them in by XXXX XXXX XXXX XXXX. 

I have attached my XXXX TransUnion personal credit report and there is no negative reporting by XXXX XXXX XXXX XXXX. 

I do not understand why this negative reporting has just hit my credit report and there does not seem to be any fair resolution to this issue. 

I am asking for a full investigation into TransUnion credit bureau as to their policies and procedures for reporting negative information.

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 2019-04-19 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was notified by XXXX that Midland Credit MGMT INC pulled a HARD inquiry of my credit report on XX/XX/2019. ( Report Number : XXXX Date Generated : XX/XX/2019 ). I have not applied for credit anywhere or have any business with Midland Credit MGMT INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: AES/PHEAA
State: PA

Complaint narrative:
There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Home Loan Center, Inc.
State: LA

Complaint narrative:
On XX/XX/2019 i received a phone call from XXXX XXXX XXXX for a loan and I accepted the loan offer but at first I had to put 5 % of the loan up front which was {$100.00}. So when the funds say they are sent I get another email about the funds are put on hold until I pay a {$160.00} wire fee and a {$8.00} stamp fee so I pay that also. I still have not received my loan from this company and when I call them they say its been sent which it has not and they will not provide me with a statement saying money being sent and now they want me to pay {$190.00} so they can send it to me thru XXXX XXXX which Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
in XXXX I noticed that I am victim of identity theft. I opted to place an fraud alert with the 3 principal credit bureaus nationwide. 
In XX/XX/XXXX, I receive a letter from the lender notifying me a reassignment of contract transfer the contract to the original seller ( confused me more ) and removed my loan account from my credit report. ( This account is not in my credit report anymore ). 
But wait if isnt this account in your credit what that means? 
Adding to this I send An email to the person that indicated in the letter with any response, till last week a guy call me supposed to work for the lender, and when I asked him about this letter he just put the call in hold and then cut the call, after that I get a couple emails that they need the payment. All this is confusing to me because as an victim of identity theft is really stressful this situation please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: MA

Complaint narrative:
The collection agency Admin Recovery has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX  veteran who is receiving Veteran 's Affairs XXXX Compensation, this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/XXXX2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.

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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a CITI Checking and Savings account in order to receive a stated {$500.00} bonus into my account after completing activities. Promotion code was XXXX. I opened the account on XX/XX/2019. However, after account opening there was a delay in receiving my debit card and pin number, which I contacted CITI about. They told me the delay won't affect my bonus as I will have some additional time to complete requirements. I rushed to deposit the {$15000.00} as soon as possible, and set up my direct deposit as well, which was the second requirement. After waiting over a month, I contacted CITI again to ensure everything was okay and that I was on track to receive the {$500.00} bonus. I spoke with XXXX over chat, which I have attached, on XX/XX/2019. They stated that I have completed all activities as discussed, and only need to wait the additional time with the money in my account. I wait almost another month and a half, and do not see the bonus. I contact CITI again in order to receive the bonus, and they file a claim with which I received a letter after three months stating that I did not apparently meet the requirements, even though I had discussed this with CITI multiple times that an error on their end delayed my account opening and funding.

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase sent me a letter dated XX/XX/XXXX that they were closing my credit card account " because continuing the relationship creates possible reputational risk to our company ''. 
I called the number on the letter " if you have any questions '' and when I spoke with a supervisor, he refused to give me any explanation on why they were doing this. My financial record is spotless and my credit score is XXXX but will drop significantly when they close this account on XX/XX/XXXX. I have one XXXX NON-FINANCIAL XXXX conviction on my record. What would this have to do with closing my account and hurting my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
My husband and I are trying to get a mortgage loan through our Credit Union, when my credit was pulled I had no score on Equifax and through some investigating I found out that XXXX XXXX ( please see attached ) card services had reported me ( XXXX XXXX XXXX ) as deceased while as I am writing you I am very much alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I had to borrow money thru a private loan to complete my XXXX XXXX XXXX at XXXX University. I borrowed XXXX on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX. Navient has my student loans. I started paying those loans back in XX/XX/XXXX. I pay around {$170.00} each month on the total loans combined. As of right now, I still owe {$6800.00} on the {$8000.00} loan and {$4600.00} on the {$4500.00} loan. How is this possible? I called back last year to see about a different type of payment or lower interest rate. They said they couldn't do that, but I could get a deferment which I used two separate times for a total of 6 months last year. I had been bit by a cat and had XXXX in my right hand. I missed a lot of work ( I'm a teacher ) and I had a lot of copays and doctor bills that I had to pay, in which I am still paying on. I just feel like paying off this loan is a loosing battle. I mean how can I still owe so much on these original balance or even owe more on the {$4500.00} loan than I even borrowed to begin with? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I borrowed {$900.00} from Wise loans on XX/XX/2019. I was told there was no prepayment penalties, I went to pay it off on XX/XX/2019 and was told pay off would be {$1200.00}. The company claims this is a CSO fee and not interest, I know I signed the loan agreement online but this seems excessive and I thought there were protections for being over charged. I did call and chat with the company and was told that was the payoff regardless. Thank you for your help with this!

Company response to consumer: Closed with explanation