vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient student loans are refusing to take factoring accounts on my credit report. I have sent numerous of certified letters to Navient to correct my " late '' status. Navient refused to verify or respond to any credit agency. I also closed my accounts with Navient. 

When I continued to send certified letters to Navient to prove my late status. Navient does n't respond to my request. I was sent a letter to prove to them. Navient is impacting my credit report and loss of opportunity. 

XXXX 2015 I called Navient dozens of time to correct to purchase a home. I also request a constant payment arrangement. Navient refused. This was the result of me losing to purchase a home and providing a great school district to my children. I have expressed to Navient the American dream was to complete college and provide a quality of life to my children. I 'm unable to this due to their incorrect reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I graduated from college in XXXX 2016. I tried numerous times to get in contact with my loan servicer and had no luck each time. I received no correspondence or contact from my loan servicer Navient. No contact before or after my graduation. I needed to consolidate my Direct Plus loans in order to make the payments something I can afford. However, every time I tried to call Navient the customer service was busy or could not help me at that time. I had no idea when to start repaying my loans or how much I needed to pay because the loan servicer never replied to my questions or got in contact with me. I have been out of school for a year and two months ago I received the first letter from Navient telling me that my loans were in default and I owed {$1700.00} as my monthly payment. I contacted them and they said that they had reached out to contact me and heard no response. That is a lie because I never got any e-mails or mail from Navient regarding my loans. I paid the amount that they requested in order for my account to be up to date, however I am unable to continue to pay that amount each month as it exceeds my monthly income. I am in desperate need of loan consolidation or else I will be on the streets soon as this is insane to be paying more than I make every month because an employee at Navient is unable to take the time to do their job correctly and help me consolidate my loans and put them on a payment plan that I can afford. Instead this company is making a stressful part of my life that much harder and is putting me in an extremely severe situation. Navient is a horrible company and should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MP

Complaint narrative:
In XX/XX/2005 I obtained a home equity mortgage loan for {$46000.00} limit. I have been making all payments as required by EFT until the lender stopped taking the payments. I now believe the term of 10 years was apparently up. The lender now reports my loan delinquent which completely prevents me from refinancing. There were no warning signs along the way to let me know I would have to refinance or make other arrangements. The lender is now initiating foreclosure which I see as a way for them to steal my home legally. 
A should offer to reschedule or refinance the balance of {$23000.00} so I can resume payments.

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 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was supposed to have a forbearance but it was n't applied to my loans properly and it was reported to the credit bureaus that I was late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system

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 2016-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I previously had services with XXXX between the months of XX/XX/XXXX and XX/XX/XXXX. At the completion of service XXXX provided us with a final statement that has some erroneous charges. XXXX was contacted and informed of these errors and would update the bill to reflect the accurate charges. The erroneous charges were removed and the billing statement was updated. A new bill was to be mailed to the forwarding address of XXXX XXXX XXXX, XXXX, GA XXXX. After waiting approximately two to three weeks I called XXXX who informed that the bill was never sent and that a second request to send the bill will be submitted. Again we waited an instead of having a bill sent to us our account was sent to collections. Over a period of two weeks the collection was removed and XXXX agreed to send us an updated bill via mail, but again it never came. They instead sent to another collection agency. Now as of XX/XX/XXXX XXXX has not sent us a bill and a third collection agency has now made contact in an attempt to collect the debt. 

The last contact made with XXXX to attempt to obtain the bill was on XX/XX/XXXX. A request was made to obtain a bill a copy if the bill. To ensure that a copy would be sent a control number was provided XXXX. This was the order number associate with the request to obtain a copy of the bill. Again this bill has not came and it has been sent to the collection agency. I have previously sent similar complaints to the CFPB in regards to similar activity from XXXX. 

XXXX was contacted on XX/XX/XXXX and was informed that account was charged off. XXXX then refused to provide me a statement but continued to ask for payment. I was told that once I provide payment a statement can be sent to me in the form of a receipt. XXXX is also stating that the account will stay in collections until I pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: IL

Complaint narrative:
I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Round Two Recovery
State: MT

Complaint narrative:
On or about XXXX 2016 I was trying to clean up my bad credit by obtaining a home equity loan. There were a lot of debts I had to settle. 

Round two recovery was XXXX of the creditors listed on my credit report. I called them @ XXXX XXXX XXXX XXXX and spoke with XXXX. The first time I called she said they had no such debt with them any longer, they had sold my account to another company. She did not provide me the name of that company. Then a week later I called her to get a letter from them stating I did not owe them for the Finance company. At this time she stated that she had " recalled '' the account and now all of a sudden I owed her XXXX, after arguing with her about it and not having any idea how to prove her wrong I settled for {$4600.00}. I just received a check made out to Round two recovery for some reason and I am supposed to send it to her. I have tried to reach her at least five times over the last week and the only message I get is " this person has not set up their voicemail yet '' no sort of salutation of " Hello, this is Round two recovery ''. No way to leave a message. I am to say the least frustrated. I believe she is trying to get money she is not entitled to. I believe this debt was paid through XXXX XXXX XXXX during the same time. I do not want to send this check to her if she is not legit. It seems to me that this is a fly by night debt collection agency that is ran by this XXXX woman named XXXX, I did not get a last name for some reason. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC
State: CA

Complaint narrative:
I used XXXX for my payroll services. Last XX/XX/XXXX they really messed up my account. I closed with them and received notification from their supv my account has been corrected. I have the emails. 6 months ago I get a notice from collection agency. I sent them a letter with explanation with proof I do not owe this. They closed their file. In XX/XX/XXXX I recive another collection notice from another agency. I sent them in XX/XX/XXXX certified letter with explanation and to show proof I DO NOT owe this debt. I have not received any explanation and received today another notice that I have made no attempts to resolve this matter and not its an urgency and I am at my final hour. I have proof they received my letter but they have not given me any explanation or a detail of why I owe over {$3000.00}. Again I have proof this is a mistake and emails from XXXX apologizing for the mess up. Please XXXX reversed all charges and gave me credit for future payroll runs.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.

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 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Credits, Inc
State: OR

Complaint narrative:
The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I had no communication or knowledge of account going into collections.

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 2015-08-03 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: First American Solutions, LLC
State: TX

Complaint narrative:
Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC
State: CA

Complaint narrative:
I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: LHR Inc.
State: CO

Complaint narrative:
Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. 
After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with this and Fail to validate and removed items from credit report in total amount XXXX {$720.00} and XXXX {$430.00}. The current account is a false account which I 'm not responsible for.

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