vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 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: TN

Complaint narrative:
Since going to college ( XXXX ) I have been allowed to use Forbearance and Deferments, because I could not afford to pay my Student Loan payments. Not until the past six months has anyone even mentioned a limit to the number of Forbearances and Deferments I was allowed. Now all of a sudden I am told that I must begin making payments of {$2500.00} per month. I can not afford this. 
Since XXXX of XXXX, due to not allowing continuation of my deferments/forbearances, I have been attempting to get into an income based repayment plan. I mailed my application and information.. they never received it. I faxed my application and information.. they never received it. Finally I uploaded and emailed my application and information and called to confirm the receipt of the information ; received. I wait a full month. No response or feedback. I call Navient. Now they are saying that I have a Parent Plus Loan from XXXX - XXXX and therefore I do not qualify for any type of Income Based plan. My son was between XXXX and XXXX years old during that period. 
My wife 's income driven plan requires {$5.00} per month payment. However, my payment based on the same information is XXXX {$2500.00} per month. 
I have been told by Navient, up until today, that I could get payments based on my income. Now, today I am told, regardless of whether or not I can afford it, I have to make payments of approximately {$2500.00} per month. I am the sole source of income for my family ; and a railroader for goodness sake. 
There is no rhyme or reason to what I have been subjected to by Navient. My loans totaled about {$40000.00} in the beginning. Through deferment and forbearance they have grown to approximately {$300000.00}. I am sure there could have been a better solution to this from day one. If I had gone into forfeiture in the beginning I would have been better off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: CT

Complaint narrative:
XXXX XXXX, a manager at SOFI, told me on XXXX/XXXX/XXXX that my debt consolidation loan could not be cleared to close after I submitted the requested documentation to the company two weeks earlier. I was originally approved for {$25000.00} by SOFI and was trying to consolidated {$18000.00} of credit cards. SOFI requested my tax returns, since I am self employed, for XXXX and XXXX which I provided. Then they requested all of the schedules that I did not have. I called to ask which schedules, for personal or business returns, and the lady I spoke to said that since I received paystubs from my business, that I could just submit those for approval. I submitted my last XXXX paystubs by uploading them to SOFI and I called back to make sure they were received. Now a new rep said that I still needed to submit the schedules for the tax returns, even after I had been told that my paystubs would be fine. I called SOFI today and XXXX, another rep, said that they were still looking for schedules. I then spoke to her manager XXXX XXXX, and he refused to speak to my accountant that was on the line with me and was trying to see what schedules they wanted. This company is terrible in its customer service and lies to consumers about what is required for loan approval. The reps are not properly trained and tell you different things about the requirements because they are just reading off of the software for the client file but do not really know what is happening with files. The process is misleading and every person you talk to tells you something different. I have wasted a lot of time and I have been unable to consolidate my credit cards which are at very high rates. Managers are also terrible and extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XXXX I secured a loan modification for my mortgage through Ocwen. My first trial period and payment started XXXX. XXXX payment was paid and accepted. XXXX payment was paid and accepted. when I went to make the final trial payment for XXXX my payment was not accepted. I was making payments via XXXX or XXXX. When I called Ocwen in XXXX, with regards to me not being able to make my XXXX mortgage payment I was told that my loan modification had been denied because Ocwen did not receive the sign agreement in a timely manner and because of that Ocwen will not accept any more of my payments. I disagreed with Ocwen stating that my loan modification agreement was n't received on time and that I had proof and receipt of time and date when paper work was sent to Ocwen. I disputed this with Ocwen escalations department with regards to my loan modification and attached copies of signed loan modification agreements which verified receipt of date to Ocwen. I have spoke to XXXX of Ocwen specialist regarding my situation. XXXX of Ocwen representative one whose a supervisor told me that my loan modification effect should have been approved and executed because the loan modification agreements was returned in a timely manner. I have yet to get resolve for this matter. I have been scheduled weekly phone apts with Ocwen since XXXX. Ocwen has continue to lie and give me the run away with my loan modification. Ocwen has did nothing in good faith to resolve this issue. Ocwen has broken so many laws while dealing with my case. Even though I 'm still in dispute with Ocwen regarding n loan modification with no resolved i received paper work from attorney representing Ocwen regarding foreclosure. I have documentations, dates time and witnesses on my be half, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from XXXX XXXX XXXX claiming to have a lawsuit pending from Castle Payday loan that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I have a collection that is reporting to all XXXX credit beareau 's of a medical collection that is not mine. My son XXXX was taken to the doctor by his mother, and he was on my insurance. I left that job and my sons mother continued to take him to doctor which resulted in me still being charged, even though i no longer worked for that employer.After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B RENT RECOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I 'm the first in my family to go to college on student loans. My other siblings went to community college and had financial aid that helped them out. My career path was different and I studied out of state. Since no one was able to guide me through student loans, I ended up taking out my first XXXX years of student loans from XXXX that were then moved to navient. When I graduated I went through a situation that caused me to move. I was kicked out, had no savings, was only a month into my new job. I called over and over again asking navient for repayment options and every time I was told I was not eligible for any other options other than forbearance. I took the option when it finally came down to paying back my loans because I could not make the payments of XXXX a month when my rent was XXXX. During my forbearance period I kept calling asking for options, tried refinancing, and no one would do anything just kept pushing forbearance. Come towards the end of the period finally they lowered my payments to XXXX, as a " interest payments only '' option. However my account would n't reflect this payment option and I 'm getting piled on with late fees. On top of that I keep getting charged twice a month instead of once a month making my payments XXXX. I keep fighting the second charges, and then they finally gave me my money back. However they decided to refund ALL my payments, and because of this they said I made no payments during my repayment option trial and that I would be in danger of getting taken off the program. Since these payments, my loans went from XXXX to XXXX. I tried to refinance with other services, which led no where because I never got the chance to build credit, I need a co-signer, but my only co-signer was my mother who is now on XXXX. Navient will soon take me off my repayment option because of a mess up on my account on their end. On top of it it 's not one big loan its about XXXX loans with 10 % interest rate on each.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
Lender intimidating me to sign new loan documents after I closed on the house. These new documents increase my monthly payments and mortgage insurance. I was told it is to cover the cost movement mortgage lost in providing my loan to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.

Company response to consumer: Closed with explanation