vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I contacted my servicer because my takes have gone down by  XXXX  since closing on the home over a year ago. This reduction should have had an immediate effect on my mortgage payment. My servicer is still continuing to charge me for a taxes at the old rate, which is almost  two y ears old.My servicer has refused to make adjustments and apply the excess amount that is in my escrow account to my principal. I have been promised this would be handled and they have refused to make adjustments. I have emailed back and forth with customer service to no avail.If my mortgage servicer is completing an escrow analysis as promised then they would have noticed there is a surplus in my account. This refusal is horrible and I need assistance. It appears the only way to reduce this is to refinance the mortgage and I will not do that. My servicer needs to be held responsible for this undue stress. This undue stress has caused me to be late on my mortgage payment and incur unnecessary late fees. All while my servicer sits with excess money in my escrow account.My hours have been cut over 7 months ago and I still make my mortgage payments. I expect them to do their job correctly. Just as they expect to receive mortgage payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The loan was issued in  XXXX  by  XXXX   XXXX  and repayment began in  XXXX . After becoming unemployed in early  XXXX , I spoke with  Navient, the loan servicer, about my financial hardship and inability to continue making payments on the loan due to unemployment. Navient failed to advise me on all options that were available to me, including Income  Based Repayment, and instead advised that a deferment was my only option. This was a misrepresentation and inaccurate information. The deferment expired and now my monthly payments are more than what I was repaying prior to the deferment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We have been wanting to do a short sale since  XXXX    XXXX  . Our biggest complaint is why our short sale was denied when our home was appraised for {$120000.00} and the top buyer for our home is offering {$120000.00}! It does n't make sense! We 've done everything our bank demanded us to complete.We gave them our financials m ore than4  different times. They required us to fill   RMA forms   for them  3 d ifferent times. We have had to write multipleletters to the bank to let them know that we do not want the house and ca n't afford to keep the house. We have sent in hardship letters to them on more than  2 o ccasions.I do not understand why  HUD   is denying the short sale process! It seems very fraudulent that they and Bank of America wo n't accept an offer that 's above the appraised value!

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 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
Borrowed  XXXX  ... the payment is {$270.00} every  two  weeks. I am unable to sustain this and I believe the interest rates charged are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS  INC  or the other company and by SC State law (  SCCLA 15-3-530 ) the statue  of limitation for debt collection is   XXXX    years from the  XXXX  date of delinquency. The first date according to IC  Systems  is   XXXX   I did not have services with company. This company is in violation of my state law. Please remove from my credit report.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Previous request to remove ( as of  XXXX   XXXX  ) negative  XXXX   XXXX  account ignored ; satisfactory account   XXXX   XXXX   deleted instead  ( n ot scheduled for deletion until  XXXX  ). Why?

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 2017-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAM National Arbitration and Mediation
State: MN

Complaint narrative:
Na company left me a voicemail from phone number  XXXX  stating they were from the legal department at NA company and that they were going to have me arrested for check fraud. Then they called my parents and spoke to my father and shared information about why they were calling.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I took out a {$1500.00} loan in  XXXX   XXXX  and was under the impression that as I paid  (  bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in  XXXX ,  XXXX . I feel that this company "  Check-N-Go '' have very unfair and huge interest rates and that if  they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are  XXXX  stores in  XXXX   XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the  XXXX   XXXX   XXXX   XXXX . location

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I keep getting phone calls from  XXXX   XXXX   XXXX   XXXX . They claim that they are attempting to collect a payment for my pay-pal account. I have told them that I do not have, nor have I ever had, a pay-pal account. I have asked them to send me written copies of anything related to this account. They refuse to do anything unless I provide them with my social security number, which I will not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  and Equifax mortgage services seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in   XXXX   and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized quicken to pull our credit report one time. Shortly after contacting quicken, we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED. I t 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s  ), that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers credit score  XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and Equifax mortgage services ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection, FTC and US  attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I contacted Resurgent Capital Services.  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in  BK . I explained by BK was released in  XXXX    XXXX   and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.  XXXX  Called and still no updated per  XXXX .  XXXX   XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a  manager  and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the  manager w as a lunch and sent me to voicemail. I did not get a return call.  XXXX  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since  XXXX  and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.

Complaint narrative:
A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.

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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
Next Disbursement Due Amount for my county  taxes is listed at {$2600.00}.   Sent documentation to  MyLoanCare on   XXXX / XXXX /  XXXX   to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since  XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to  one.    This amount is making my escrow payment close to {$400.00} per month higher.

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 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
To Whom It  May  Concern :  XXXX / XXXX / XXXX   XXXX   XXXX  Consumer Financial Protection Bureau  Case #   XXXX  It is obvious from the  Unifund  response that this is a standardized template letter.     I have never been served in person, by mail or in any other format ever.     Unifund is required by law to provide proof of such event which is the original complaint that was filed by me stating that I was NEVER served, notified or any documentation or  US  mail ever delivered to any address that I receive correspondence at.     Additionally, NONE of the credit reporting firms including all the majors,   XXXX   XXXX   and   XXXX   show ever an official claim filed against me.     I am attaching a copy of   XXXX   which is a law firm and credit repair firm in the state of California that shows my full credit history for the last 5 years on all major credit reporting firms and as you can clearly see ; there is no filing in the last 5 years.     The statute of limitations for consumer debt for the state of California is 4 years. And, as admitted in their own documentation, this pertains to a debt from  XXXX , well over 11 years ago.     My complaint has been fully validated :   1. Unifund  has never provided documentation of how, when, where or by whom I was personally supposed to have been served as required by law.
2. Nor has Unifund   provided any mail documentation in the form of certified mail letters or mechanism or report of who this was given or sent to.    3.  I am requesting to be clear that this debt be eliminated based on 3 principles : A. I was never served B. The debt is beyond the statute of limitations for the state of California as it over  10 years old which is more than twice the legal limit C. No evidence has ever been shown to me or any US  credit reporting firm of the existence of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is in response to my previous compliant  Case Number  #  XXXX . Even though the response was received, I wanted to respond appropriately and re submit my complaint with supporting documentation will be attach for review for accuracy.     In response to letter date   XXXX     from  XXXX   XXXX   Executive Respone Unit f rom  Cititmortgage.      In his letter he states that I was eligible for HAMP and a trial period with payment of  XXXX  which is incorrect the correct the amount {$780.00}. I will provide statements reflecting and all income was verified.  (  will upload documentation for review ) Also you stated about the account was recently review on   XXXX     with an offer of {$180000.00} however that is also incorrect. The offer of {$180000.00} CASH was submitted on     XXXX       from   XXXX   XXXX   XXXX   XXXX   ( Buyer ). T his offer apparently was countered by  Citi  of {$180000.00} and he was not willing to go up to that amount. My realtor found another buyer   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  who currently presented an offer that was submitted and signed on   XXXX   for {$190000.00} looking to close by      XX/XX/XXXX  and the file was actually just review on    XX/XX/XXXX    how convenient because my file was transferred from  XXXX   XXXX , then to  XXXX   XXXX  and to  XXXX   XXXX   XXXX  within a 15 day period. So attempting to get a status is quite difficult with your institution. ( will upload documentation for review  ) My sh ort sale analyst received this communication stating the following : " the lender denied the offer of $  XXXX  they countered back at $  XXXX . So the offer was denied and they will not review another until the sale date has been extended. The lender will file a motion to extend because of the short sale. ''  (  will upload documentation for review ) I would like the CFPB to record my response and publicly record of how unfairly I am being treated.

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