vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I had an XXXX XXXX credit card with Costco. In XX/XX/2016 Costco switched its card program to being offered by Citibank. At that time I had a {$140.00} balance on my XXXX XXXX card. When I went to pay off that amount online, in XX/XX/XXXX, I found that I could no longer access that account. I opened an account with Citi to continue my patronage of Costco. I was unable to figure out where my XXXX XXXX account went. When trying to contact Citibank I could n't get past their automated phones without providing an account number. In XX/XX/XXXX, I finally received a statement from Citibank letting me know that my account is 5 months without a payment and that it has been sent to collections. At that point the statement had the last XXXX digits of the elusive account on it, and I was able to successfully call and address my account. At that point I explained my story to the customer service lady and paid the {$140.00} balance that carried over from my XXXX. She told me that she would take care of all of the late fees and interest that had accrued, and that I did n't need to worry about the card anymore. Later that month I received another statement that said I still had {$70.00} of interest on my card. I called to address the issue, and ended up having to pay the interest in order to take care of the card and make sure there were no further late payment issues. I talked to Citibank about being able to dispute the account so that it would n't affect my credit, but the customer service rep said that Citibank ca n't do that and it is automatic. I also checked to try to find the reason Citibank did n't contact me for so long, and the email address they had on file was n't any of the email addresses that I own. Apparently it was just a collection of symbols that XXXX gave them for my email address, which is interesting because I had opted out of paper statements with XXXX, and email was my primary form of communication with them. Apparently either XXXX or Citibank had a database issue when transferring my info.

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 2017-01-20 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: VA

Complaint narrative:
In XX/XX/XXXX 2016, my Income Driven Repayment Plan with Navient was up for renewal so I submitted the application on Studentloan.gov. Once Navient received the application they provided me with a new payment of $ XXXX+. I could not afford to increase my payment at that time so I asked to be placed on another plan that would enable me to keep making my $ XXXX monthly payments. They said that was NOT possible but they could put me on a new plan paying {$150.00} ( the graduate repayment plan ). Did n't make any sense to me but I agreed since I was desperate. They said that once my payment date comes around I would only have to pay the {$150.00}. My XX/XX/XXXX bill was sent to me and I owed $ XXXX+ dollars. I was confused because I thought they had made the adjustments agreed upon. I called Navient a second time ; they told me now I needed to do a voluntary forbearance to correct their mistake. Again I was confused and expressed this to them but I agreed because I was desperate and did n't want the late payment to show up on my credit report. I did the Voluntary Forbearance and payed {$5.00} for the month. My XX/XX/XXXX bill rolled around and still the same issue. No change in payment. I was now angry because again they asked me to do another voluntary forbearance to correct their mistake. So now that is 2 months of interest being capitalized and time wasted with me calling them and completing numerous applications. I spoke to XXXX different individuals and kept getting the run around with each one assuring me that they had solved my issue. I have my fingers crossed to see what my XX/XX/XXXX bill will reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have been out of college for well over 5 years and despite consistent and high monthly payments, my principal balance continues to increase and increase. When I question customer reps at Navient on how I can better my situation, i.e lower interest, or consolidate, or make correct payments to make a dent in loans, I never receive accurate responses. This then has months go by where my principal just grows and grows despite my successful payment history. I ca n't get answers from them and I just want to get on with making these payments so that I can be successful in paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am filing a complaint and request for investigation of the student loan service I was given. I was given falsified information which has led to the student loan service requiring repayment with added interest. 
They provided bad information, illegally cheated me out of my rights of loan forgiveness, and deceived me about my rights. I was in my final 6 months of loan forgiveness due to XXXX when I received information saying my loan balance was XXXX. 

I contacted the ombudsman who told me my loan was showing XXXX balance and the income monitoring period was complete. When I asked for this in writing they said their system would not be updated for 6 weeks. I proceeded to attend 2 days of paid XXXX and 3 days of XXXX. Then after the six weeks I was told no. my monitoring period had not ended, they 'meant ', but did not say, that my loan showed XXXX as a temporary condition. I was deceived, lied to, manipulated so that now they are saying I must repay the entire {$50000.00} loan because my income exceeded the poverty level by those 5 days of work. You would be able to verify the falsified information from the loan service through phone recordings to my cell or home phone XX/XX/2015 to XX/XX/2015. 

Before the call from the ombudsman and Nelnet between XX/XX/XXXX and XX/XX/XXXX, I spoke with XXXX on XX/XX/2015. She made certain that my loan monitoring would not include any paycheck dated past XX/XX/2015. Now however, they are requiring the paycheck Dated XX/XX/XXXX. 

In each of these conversations I was given incorrect information which made it impossible for me to follow any guidelines for the discharge program. I am an educated, responsible, law-abiding student. I asked for guidance to meet all requirements foor my XXXX discharge, yet was intentionally given false information that resulted in extra interest accrueing, reduced credit score and a huge debt that was scheduled to be forgiven. 

The servicer should be held accountable. They should forgive the loan and make restitution for the countless hours I have battled on the telephone, sending emails and experiencing XXXX. 

Thank you for investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned. 
A XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management
State: TX

Complaint narrative:
I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: CA

Complaint narrative:
The associates at the new servicer Utah Higher Education XXXX refused to allow me to put my loan into forbearance and further, have blocked from using their website. I never had any problems and have never been late on any payment with the prior servicer XXXX. The representative XXXX ID # XXXX refused to let me speak with a supervisor or manager and disconnected me. 
As I am not working, I just wanted to put my loan into forbearance as I have that right but this new servicer comply.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I obtained my credit report and discovered multiple errors. I send a letter to Equifax stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
Same people! leave msgs on work phone, home phone saying it is either XXXX XXXX or XXXX XXXX phone XXXX They are a XXXX debt collection company that I have complained about before and to the State Attorney General. they leave threatening messages, they just wo n't stop! they are called Critical Mediation XXXX for XXXX online loans. I paid off the last one I took out before XXXX. I was owed money for over a year and finally paid everything off!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services
State: IL

Complaint narrative:
Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA

Complaint narrative:
I borrowed a loan from NJclass for {$40000.00} to pay tuition at XXXX University in NJ. I have made effort to pay them each month, but can not pay the full $ XXXX monthly. They have told me numerous times that there are no options for repayment. I have been giving them $ XXXX monthly. I have contacted congressmen in NJ who could not get the minimum down. They will not consider my income. My credit is now destroyed. I have other loans which are working with me without issue. It seems that hesaa is one of the few that offer XXXX options. I am now {$700.00} behind. Everyday is a struggle. I work hard and pay for everything else in my life that is required of me ... But because I ca n't pay the {$400.00}, my credit is bad and discounts my hard work. Someone sees my credit and feels I am irresponsible. I know it was my choice to borrow money, but hesaa 's inflexibility is making it impossible to find resolution. Private loans should be allowed inn chapter XXXX. I am now facing defaulting. I read that hesaa charges 30 % of the balance when you default for legal fees ... And they do NOT offer loan rehabilitation ... how is this legal? I should have the freedom of at least XXXX option. I have no rights here. Where are my rights? I have paid them something every month. I do n't know what to do. NJ Class ( hesaa ) masquerades itself as a federal loan to XXXX year olds who do n't know the system. The governor is listed as being involved on their website .... For what purpose? This needs to change. I need help or my life could be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. 
I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years

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