vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I've been dealing with navient for several years now. When I've called to get any kind of help with my loan payments to either try and lower when they were close to 500.00 per month to just making a simple payment they stick to script and will not budge. They always incite by laws in the agreement that gives them complete control over the loans and leaves me with few options.

Based on the current lawsuits against Navient I can not help but feel me and many others have been taken advantage of. Just one of the five loans I have began at XXXX and I am at XXXX after several years of paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
I have a few mortgages with Amerihome mortgage and one with XXXX XXXX. My home insurance recently changed. It used to be with XXXX, it is with Auto-Owners now. My Auto-Owners agent provided everything that is needed to both XXXX XXXX and Amerihome Mortgage to update the records to include new insurance. The problem is that both XXXX XXXX and Amerihome had the amounts listed as {$6400.00} for each of the properties which is incorrect. It is supposed to have individual amounts for each property and not combined amount for all of the properties. My Auto-Owners agent contacted XXXX XXXX and Amerihome verbally and by fax to have the numbers updated. XXXX XXXX updated the amount to what it is supposed to be, however, Amerihome is not updating the insurance premium and it has it listed as XXXX for each of the properties which will be an issue when its time to pay out the premium as well as do escrow analysis as my mortgage payments will increase. My agent faxed a letter of explanation including the policies and the amount breakdown for each property on XX/XX/2018. She spoke with the agent verbally on the phone and I spoke with agent who confirmed that she saw the fax and that it will be corrected. I checked the records and after a few days it still hasnt been corrected. This will create an issue for me in the next few months as the insurance premium will be paid XXXX times all of the properties to over {$30000.00} instead of XXXX for all of them and my mortgage payment will skyrocket if it is not fixed before than. My insurance agent has done everything what was needed and faxed the documents in and I am helpless a this moment. I hope Amerihome Mortgage can fix this issue as XXXX XXXX already did before it is too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX  XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. 
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. 

Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. 

The company is discriminating against me and my small business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
On XX/XX/XXXX my wife and I applied for a reverse mortgage with American Advisors Group ( AAG ). The application was taken in our home by AAG representative XXXX XXXX ( NMLS ID XXXX ). On XX/XX/XXXX we completed the home counseling with XXXX XXXX as a prerequisite to the loan application. We received a U.S. Department of Housing " Certificate of HECM Counseling '' ( Certificate Number XXXX ) signed by XXXX XXXX   XXXX XXXX. On XX/XX/XXXX our home was appraised at a market value of {$680000.00}. The appraiser was XXXX XXXX XXXX, XXXX ( License No.XXXX ). We paid for both " counseling '' and appraisal and had no issue with the individual or company involved.

Our file was assigned to AAG processor XXXX XXXX on, or about, XX/XX/XXXX. I sent Mr. XXXX all requested documents including bank statements, retirement documents and tax returns and he confirmed receipt on XX/XX/XXXX. At some point between XX/XX/XXXX and XXXX Mr. XXXX resigned or was terminated. The loan reassigned to XXXX XXXX. Documents I had submitted to Mr. XXXX were lost and had to be resubmitted. I wrote a letter stating my concerns and spoke to AAG Divisional Manager, XXXX XXXX, On XX/XX/XXXX I received an email from Mr. XXXX that our loan was " conditionally approved ''. 

This is where the actions of AAG become suspicious and lack transparency. For the past month I have not been able to secure a final loan approval. These are the relevant facts ( 1 ) my wife and I are over 65 years old, ( 2 ) we took the required HUD course, ( 3 ) our median credit scores were both well over 720, ( 4 ) we were never late on our primary mortgage ( 16 years ), and had no other mortgage or loan payments late in the past three years. Despite all of this positive history an unidentified AAG underwriter raised an issue about homeowner association ( HOA ) monthly dues that were paid late. These HOA payments were oversights of very small payments and did not result in any collection accounts or liens. Once AAG was satisfied with our HOA explanation, the unnamed, unidentified AAG underwriter questioned our income.

This is suspicious since our reverse mortgage will ( 1 ) require us to bring over {$60000.00} to closing ( which we have and provided documentation ) and, ( 2 ) will reduce our monthly expenses by {$2500.00} per month. We we not seeking payments from the reverse mortgage because we did not need any additional income. The reverse mortgage in our case is not a necessity but a proactive retirement action. 

Finally, what we are seeking is clarity and transparency. This is a Federally insured loan program that should be processed in a clear and nondiscriminatory manner. 

It is now XX/XX/XXXX, and despite several promises of closure we have yet to receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient acknowledges that I am completely and XXXX  XXXX and I have received a federal student loan discharge based on that ( the discharge monitoring period for that ended XXXX of XXXX ). I have no income and no assets and am in the process re-applying for SSI. When I applied for TPD relief with Navient for my private students loans, they " restructured '' some of my loans, but the payments are still completely unmanageable ( over {$200.00} per month ). I've  repeatedly asked them about at least lowering my payments and am told this is impossible. Being completely unable to pay them, at this point I am going into default and my credit is trashed. I filed for bankruptcy in XXXX, but the legal aid company I used does not do adversary proceedings and so could not address the student loans. I currently owe Navient {$27000.00}, with about {$1500.00} of it being past-due. I have 4 loans : 2 were dispersed in XXXX at XXXX University, one in XXXX at University XXXX XXXX, and one in XXXX at University XXXX XXXX XXXX. Navient says I became legally XXXX in XXXX, before taking out the final loan, so they don't consider that to be included under TPD restructuring options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX, Opened Date XX/XX/XXXX, Balance {$3600.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute this info by phone and by certified mail last year. The last time I disputed inaccurate information was in XX/XX/2018. I received correspondence soon after that. They gave me a credit file number of # XXXX and a credit report with many inaccurate accounts and address. I resent all the items out today with the FCRA violations, my police report, and my FTC report. There are many items that should not be on my credit report. 

They even have my old two work address as a home address. One was a temp agency. I never ever received mail at these address with further let me know that someone has my information. I know Equifax has had a data breach but they are not taking my dispute serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In approximately XX/XX/XXXX/XX/XX/XXXX a fraud alert was placed by MasterCard Because my credit card had been compromised. The card was temporarily closed and they issued a new one, which I received a week later.In the meantime I had to use my other credit card : XXXX, which I rarely, if ever, use. A few weeks later I received the bill to pay XXXX. Not being used to receive bills from XXXX, when I saw the envelope I thought it was advertisement so I threw it away as junk mail with the other junk mail. The bill was for approximately {$480.00}. After XXXX called me twice and made me aware of the lack of payment, immediately I wrote a check and sent it to them. I thought that was the end of it until my credit scores were affected significantly.I called XXXX, TRANSUNION, XXXX, XXXX and submitted disputes to no avail.TRANSUNION, especially, lowered my credit score significantly, About 100 points.. 
For many many years my scores have been nearly perfect ( In the 800s ; at one point it was close to the maximum score attainable ). My payments are always on time, except for this is with XXXX bill.The Credit companies have not considered my prior, nearly perfect credit scores, as a factor In my favor, so they lowered my score significantly ( from approximately 825 to XXXX- TRANSUNION ) ; the other Credit companies have similarly lowered my credit score but not as much as TRANSUNION . I request your help with this situation. Thank you XXXX XXXX, XXXX  XXXX 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 explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I was flying from XXXX XXXX to Washington DC, using travel points earned through my Chase Sapphire Reserve Card, booked for Sunday XX/XX/2019. I found out about 8 hours before my flight, that it had been canceled in XXXX. Chase failed to notify me of this, and did not provide the airline my contact information, so they could not notify me. From what I understand, this failure to notify me is illegal. 

I tried to book new flights through Chase, but their international travel help line hung up on me several times on XX/XX/XXXX. I ended up getting alternate flights through the airline. However, instead of a direct flight with 5 hours of travel time ( which I paid a {$200.00} premium for ), I had a layover, landed in a different airport than intended, and had a 15 hour travel day.

I submitted a claim request to Chase for reimbursement for the premium I paid for this flight, extra cab fare ( my new flight landed after the metro closed ),  extra meals, and my time. However, Chase responded to me on XX/XX/XXXX and told me they would not do anything to fix the situation. Thus, I am reaching out to the CFPB. 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I got a student loan for my son to go to technical school lost my job and had to do a forbarence inXX/XX/XXXX then i went back in the military and was shipped overseas inXX/XX/XXXX andXX/XX/XXXX during this time they kept charging me interest on the loan, then they told me the loan had been bought by different loan companies, and added colection fees and interest fee everytime it was so called bought by another loan facility, so i got bills from 5 diferent loan companies, inXX/XX/XXXX i got in touch with the loan company and they said if i paid 12 consistant payments that it would take it out of default and i did so the time for the 13 payment they started garnishing 15 % out of my check my wife goes to the XXXX center every 3 weeks and i need help, AND WHEN I LOG IN TO THERE SITE ON THE COMPUTER THEY JUST SO HAPPENS NOT TO BE ABLE TO FIND WHAT IVE PAID OR RECONGNIZE ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX  has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us! 
Sincerely Yours, XXXX 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 explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Financial Service Center of Ohio, LLC
State: OH

Complaint narrative:
I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX  did not verify if I had income as a means to repay the loan. XXXX  did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX  XXXX. I haven't worked for two years because I'm 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 explanation