vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
I paid for a house appraisal in XX/XX/2016 asked for by AFR doing business as Elend. I had applied for the Refi loan in XX/XX/2016. I submitted all documentations they asked for. It took them so long to process the loan papers that the " 4 '' months window for the validity of the appraisal ( per their loan employee ) they gave me, expired. In XX/XX/2016, they demanded that I re-appraised my property again. I objected as it was on their end that the process stalled. I asked for a refund for the appraisal costs as I found a more reputable company to process my loan. The loan officer I spoke to at eLend refused to reimburse me. I, then, contacted a law firm, gave them the factual information and they wrote a demand letter to eLend on my behalf asking them to reimburse me for the appraisal fee. The law firm for the eLend, AFR, company emailed me a legal letter stating that they do not refund money. When I received the letter from AFR, I contacted the law firm I asked for advice and they advised me to contact yours and other agencies who could be better able to help me to file for a complaint. The company information in question is- AFR American Financial Resources , inc. doing business as eLend. I would like to file this complaint as a warning to other borrowers who may want to do business with this company. I researched eLend online and found that there are also many other people who lost money the same way I did dealing with this company. If legal documentations, emails between eLend and I, etc., of the facts stated above, needs to be presented please let me know and I 'll provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. 
I have contacted them but they refuse to waver which is putting myself in financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-09 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Cornerstone Legal Group, LLC
State: GA

Complaint narrative:
Cornerstone Legal Group , LLC XXXX XXXX XXXX XXXX. XXXX, FL XXXX. They use XXXX XXXX XXXX to manage the funds. Since XXXX 2014, They have debited my account in the amount of XXXX monthly. Only XXXX of my debts have been settled : XXXX and XXXX. Since the company is taking over 60 % of my funds there is virtually no money in my account to settle the other debts. I continue to get lawsuit papers from Financial Institutions that should 've been contacted by my debt consolidators, Cornerstone Legal Group, as they were provided a list of all debts to be consolidated under their program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: OH

Complaint narrative:
Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: IN

Complaint narrative:
I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor, I 'm told they wo n't answer questions or transfer my call because I owe them money. I have been rudely hung up on multiple times now.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As a result of a class action lawsuit, ( XXXX v Equifax information, case Services ) case # XXXX ( XXXX ). I was to receive free credit monitoring and any Va District Court Judgement removed. This was in XXXX of 2016. I have the monitoring service, but the judgement has not been removed. I called serveral times. No one had any info about it. 
I tried to get to the corporate office legal department, but I had to know a specific name. I am a XXXX vet, trying to purchase a home. This prevents me from qualifying. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a detailed letter questioning the validity of my collections account, in a certified letter to each credit bureau. As of now it has been more than 60 days and still have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
disputed charge.Sent documentation that I thought was pretty conclusive. Discover cavbalierly dismissed complaint with no further investigation. I want the charge reversed or at least examined in much more detail. DISCOVERXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This item is being reported as late on my credit bureaus and in fact has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Account ending in XXXX. 
I wrote back to you regarding TD Bank car loan. After struggling to make monthly payment on- time due unemployment issue. I received two letter from TD Bank dated XX/XX/XXXX, saying Congratulation! your final payment is now due. please pay the amount indicated below by due date. total principal balance XXXX principal due XXXX financial charge due XXXX Late charges total XXXX. 
on a second letter i received from TD Bank dated XX/XX/XXXX, stated current due XXXX total amount due XXXX. This second statement raised into questioning. In XXXX I submitted a complain regarding extra payment beginning of the loan in total amount of {$410.00}. I was told that money will apply to the end of the loan. I called this morning I was told that money has been used into Principal. Now I 'm at end of making a final payment, final payment is more than regular monthly payment due to late fees. I would like to know about the excess payment I had made toward my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Illegally discussing account with someone not verified. I owe XXXX XXXX and it went to collections. I did not authorize anyone on this account.XXXX XXXX XXXX ( CCS ) called and was informed by my wife that I was not there. She asked to take a message and they informed me " I guess I can talk to you '' and proceeded to ask for my address and phone number, which can be found in phone book. She gave them the information and they started talking to her about my debt. Nowhere did they ask for her name. I held a job XXXX XXXX for a very prominent XXXX company and it was drilled into us we had to verify who we were talking to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I had insurance with XXXX, and cancelled it before it was due again and it was turned over to a collection agency for XXXX and put on all 3 credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pending Company Match
State: IN

Complaint narrative:
This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
{$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have worked hard on my credit ever since learning about it 's importance. I was very naive on my private student loans. I thought they were all the same. It is only years later, that I am fully understanding these things. A couple years ago, I began reaching out to companies holding my student loans to get them on the road to paid. Unfortunately, this has been a terrible experience, that I am losing. When I called for the Federal Student Loans, they were easy to work with and easy to contact. For the private loans, it has been an impossible dance around obstacles. I have been " disconnected '' and found not able to reach the holder. Then, whenever I do reach a person, if I do n't agree to an outrageous payment plan, they are not interested in setting me up on a payment plan. If I say, I can only pay {$25.00}, they want {$50.00}. If I say I can pay {$50.00}, then want a {$100.00}. And, the merry-go-round continues. All the while, they are docking my credit like crazy. Every year, they are selling and reselling my debt. The next collector calls and the dance continues. I get every other hour roto dialed calls ( and when, I go on the site to select not to be texted or auto-called, it never saves - so it appears I am accepting these calls ). When I answer, the dance continues. I tell them I want to pay. They say without agreeing to their terms it is useless and they are unable to enter me into a repayment plan. This is impossible. Even when I am not working ( currently ) they are not willing to hold my loans or accept any payment other than their bottom line. HOW DO I END THIS NIGHTMARE THAT LOOKS TO BE FOR THE REST OF MY LIFE!!!!! If I only had known how much this was going to affect my life, I would NEVER HAVE SIGNED MY NAME FOR THE LOAN!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: KY

Complaint narrative:
I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. 
This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. 
This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. 
To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. 
And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
i refinanced my mortgage to lower my payments with a predatory lender by the name of XXXX. after about a year i received a letter from boa saying they had purchased my loan and i was due some payments. i started to contact them sending copies and dates. they threatened to foreclose so i talked to a attorney and was talked into filing XXXX to keep my house. boa never did straighten out the payments and to this day say i owe these payments. i paid my XXXX plan out and it seems i have paid them twice. boa sold the loan in the mid of bankruptcy and you are contacting them.

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 2017-04-08 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Harassing calls to collect a debt, stating my son owe a debt that has already been paid. XXXX XXXX was first to call and sent a email to me on a letterhead from XXXX XXXX XXXX with the amount owed on XX/XX/2017. He called as least three other time speaking hearse and threating to send on to my door. 

On XX/XX/2017I received a call from XXXX reminding me of a call from XXXX. He then started to threaten legal action. He advice I get a lawyer. XXXX was very abrasive in tone. The conversation became so XXXX to me, I asked that not call me again. The call came from this number : XXXX Times of calls : XX/XX/2017 XXXX, XXXX, XXXX At XXXX I called him back and asked that he stop calling me. He called again on XX/XX/2017. I record the message. I told XXXX I sent a letter to the so call company asking to stop the calls. The letter came back on XX/XX/2017 undeliverable. 

XXXX XXXX, actually settled this debt/account. But this this so call other company states that me son still owes and continues to harass me by call my number trying to collect a debt.

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 2016-04-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bryant, Hodge & Associates LLC
State: IL

Complaint narrative:
Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Untimely response