vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Good Morning Navient! 
My name is XXXX and I obtain a loan from you to complete my XXXX at XXXX University, beginning in XX/XX/XXXX. Upon graduating in XX/XX/XXXX, I accumulated {$40000.00} worth of student loan debt and I also graduated un-employed. From XX/XX/XXXX XX/XX/XXXX I suffered from harassing phone calls and threats at the hands of XXXXNavient to begin repayment. Unfortunately, I was still unemployed and this added XXXX did not help. I returned to school in XX/XX/XXXX and it was then I was granted relief through a forbearance. Upon completion of XXXX school in XX/XX/XXXX, I was underemployed and still unable to make payments. I began making in XX/XX/XXXX, but only after threatening phone calls and harassment. It was then I learned that my debt had doubled to {$85000.00} through compounded interest rates and fees. I have struggled to pay since XX/XX/XXXX and but have succeeded in not having a late payment. Because of my credit and payment history, I recently began receiving inquiries to transfer my loans to another servicer for lower interest rates and less terms. 
I know beyond a shadow of doubt that I am the victim of Navient misallocating payments, being steered and automatically enrolled, without consent, toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. I would like to opportunity to move on with my life without Navient. Although I have maintained a good credit and repayment history, based upon lawsuits currently filed, it 's in my best interest to default and declare bankruptcy. I have already payed over {$35000.00} to you, faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc.
State: NE

Complaint narrative:
Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Person left a message on my work voicemail claiming to " represent the county process serving division ''. He requested that I be available with a photo ID either at my place of work or home. So that I could be served court documents. And that I 've been named in court documents. Instead of identifying the county he was calling from he requested that I call the XXXX at XXXX. Last week his office called and informed me that all of my bank assets were going to be frozen in 72 hours unless I called ... ... my assets remain very much unfrozen ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.

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 — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jacobs, Marsh LLC
State: TX

Complaint narrative:
I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Upon reviewing my TransUnion credit report [ file # XXXX ] I found that the report showed that TransUnion had provided my credit file information to XXXX parties, XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ). After a review of Fair Credit Reporting Act, 15 USC 1681 et seq ( " FCRA '' ) I am unable to identify any valid permissible purpose that either XXXX or XXXX would have to obtain my personal credit file information from TransUnion. 
Despite my written request XXXX and XXXX have both failed to identify a permissible purpose authorizing either of them to obtain my TransUnion credit file. 
I sent a letter to TransUnion ( see attached XXXX Letter to TransUnion ) requesting that it identify the specific permissible purpose that XXXX and XXXX each certified to TransUnion as well as the date of that certification ( assuming there was any certification provided to TransUnion ). TransUnion responded with a generic " Explanation of the Inquiries on Your Credit Report '' ( see attached TransUnion Response ). TransUnion failed to claim - as required by the FCRA - that either XXXX or XXXX certified to TransUnion that they had a permissible purpose or that TransUnion had reason to believe that it had a permissible purpose to provide those requester my credit file information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: KEYCORP
State: WA

Complaint narrative:
I applied for a HELOC with KeyBank. After a week I was informed that my credit score was too low and would be turned down. I was told my score was XXXX. My scores are in fact XXXX points higher than that, in the XXXX-XXXX range, and no where near a XXXX. I produced valid XXXX credit reports from other lenders to prove this and was told it would be investigated. After an " investigation '' I was told that KeyBank uses a different scoring system with XXXX than other lenders. I was then then told that I could re-apply with a different division of KeyBank that would pull a credit report from a different reporting agency. Unfortuntely after attempting to do so I was told that would not be permissible for another 60 days. I have never heard of one bureau reporting scores to a bank that are XXXX points lower than what they are reporting to others. I do not feel that I should have been subject to waiting a week to hear this news after having submitting all of my required income documents at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: GA

Complaint narrative:
On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Select Financial Services, Inc.
State: NY

Complaint narrative:
XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent a written dispute to Experian and to XXXX on XX/XX/2017. 
XXXX. inserted false information to my Experian Credit Report on XX/XX/2017 which was previously deleted by Experian as false. XXXX has wrongly re-inserted previously deleted false information and has re-aged false information. 
Experian has failed to send written notification for reentry of previously deleted item and illegally re-aged false information and failed to notify in writing.

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 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rossman & Co & PCB
State: OH

Complaint narrative:
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: MO

Complaint narrative:
I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?

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 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. 
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NC

Complaint narrative:
in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX

Company response to consumer: Closed with explanation