vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I contacted 360 Mortgage group on XX/XX/XXXX regarding endorsing a insurance check from damage occurring to my property from hurricane Florence. I was advised by a representative named XXXX that my mortgage had been sold out to XXXX XXXX XXXX  as of XX/XX/XXXX and they were not endorsing my check. I even offered to overnight the check to 360 mortgage and pre-pay for them overnight the check back to me. After reaching out to XXXX XXXX, XXXX advised me they had no records of receiving my mortgage from 360 mortgage and they could not help me. After playing phone tag back and forth I called 360 mortgage back and XXXX again answered the call and I advised him of what XXXX XXXX had said he then again refused to help me. I asked to speak with a supervisor and he refused to let me speak to one saying one was not available. Can someone help me? I need my house fixed and the contractor is ready to start. I have tried contacting the insurance company but without documents from 360 mortgage stating my mortgage has been transferred they can not change the name on the insurance check. 360 mortgage is refusing to provide documents for this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual  forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on 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 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MO

Complaint narrative:
Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have been denied credit because of wrong, inaccurate and false late payments on my credit file. The three credit bureau has three different information and records about me including name, address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state law.

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 2018-10-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GREAT LAKES
State: AR

Complaint narrative:
GREATLAKES AND XXXX KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: DC

Complaint narrative:
PHH Mortgage has made false entries on my account and PHH Mortgage needs to complete a forensic audit of my escrow account. In XXXX PHH began servicing my loan. I have a Customer Account Activity statement that shows {$350000.00} in escrow disbursements. The DC Office of Tax and Revenue has provided me documentation to show receipt of {$190000.00}. PHH transferred my loan to XXXX in XX/XX/XXXX. Prior to transferring the loan, PHH documentation shows 15 disbursements of {$320000.00} between XX/XX/XXXX to XX/XX/XXXX. The D.C. Office of Tax and Revenue only received {$160000.00} in payments during this period. On a single day, XX/XX/XXXX, PHH made 11 entries on my account totaling {$150000.00}. All of these payments are listed as Payment of City Tax with the exception of one disbursement which is titled Special Disbursement. The DC Office of Tax and Revenue has not received any of these payments. I am suspecting false entries and falsification of information. Eight of the XX/XX/XXXX are duplicate entries with duplicated dollar amounts and the Office of Tax and Revenue did not receive any of these payments. Further evidence of escrow fraud is demonstrated by lack of escrow disbursement activity in XXXX, XXXX, XXXX. For these years, my payments were escrowed for taxes ; however, no tax payments were made. InXX/XX/XXXX, PHH completed an escrow analysis and increased my payment to ~ {$18000.00} per month from a previous payment of XXXX {$2200.00}. I suspect this action was to force my property into foreclosure with the false payment entries. Finally, during the years that I was making escrow payments and my loan was current ( XXXX ), my account incurred {$61000.00} in interest and penalty charges. In addition to resolution of the false escrow account entries, PHH owes me a refund of this amount since they failed to make the tax payments ; however, they refuse to address this issue. All of this questionable activity occurred before I stopped making payments inXX/XX/XXXX. The loan was transferred to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I had an auto loan with XXXX XXXX. The loan was PAID IN FULL on XX/XX/2018 as per their own records, can verify with online account login and listed payment history. It is now XX/XX/2018 and Ally is not reporting the loan paid to major credit bureaus. This is causing detriment to my credit report as it is showing excess debt that I do not actually have. Ally reports at the end of the month, and on XX/XX/XXXX they chose not to report the loan as PAID.

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 2018-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient calls me between 5-10 times a day regarding late student loan payments. When requesting forbarrence I was told there was a large fee for this than the amount currently owned. I feel I was steered away from help and forced to pay when I can not afford to pay at this time. I was out of work laid off for 7 months and still getting back on my feet. When I told navient this they told me the co signer needs to pay. The reps and managers are extremely rude, condescending and disrespectful. They do not try to help but force payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: FL

Complaint narrative:
purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX   which is who payments were being made to and then was sold to a company called XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One- I'm sending documents on my accounts. I had paid off my accounts on XX/XX/XXXX on cards # XXXX & XXXX. Card # XXXX had expired in XX/XX/XXXX so I cut it up and they sent a new card # XXXX which I never used. That account shows I have a balance of {$940.00}, and I don't know why if I paid the other account off. The account shows that they keep adding amount on it and a card # XXXX on my account was used in XXXX and XXXX at the same I was suppose to using # XXXX, and I was living in Oregon at that time. I would like to have the accounts balances XXXX  out on cards # XXXX & XXXX. The amount of {$940.00} was according to them was from XX/XX/XXXX so if it was paid off in XX/XX/XXXX why does it have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
XX/XX/2018, I purchased a new car and was financed through XXXX XXXX XXXX, This loan should have been closed with GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Nelnet, Inc.
State: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), all credit reporting agencies are required by federal law to verify the physical verification of the original signed consumer contract for any and all accounts posted on my credit report. I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) via mail on XX/XX/XXXX. No Verifiable Proof was provided. Nelnet sent a letter saying they can not change the account, and it is now XX/XX/XXXX. Their failure to positively verify these accounts has hurt my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OR

Complaint narrative:
Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. 

There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. 

The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. 
- Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. 
- Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. 

The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. 

I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. 

I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. 

I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. 

I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. 

I ask for your assistance in correcting this matter so I can expediently pay back what I owe. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Account is charge off due to my chp XXXX bankruptcy filing. Balance should be XXXX and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried over 10 times to get my annual credit report for Transunion. I keep getting an error when it sends me to Transunion 's page to try again later or call ( XXXX ) XXXX. I call and request my report and still nothing its been over two weeks, I want to speak to a live person at XXXX but that seems to be impossible. I call Transunion for the online department and the tell me they can not verify my identity because they can't pull a report that i have to check with the dispute center because it seems that i have a split file. I then call the dispute center and they tell me that i do not have a split file and my name, address, social and dob match perfectly. They then tell me to call the Transunion online department which then tell me to call the dispute center and its a big circle of nothing. I want to be able log into the the transunion dispute center at dispute.transunion.com but it again  tells me to call ( XXXX ) XXXX. I already have a username and password created. I have spoken to supervisors all over Transunion and nobody seems to know what they are doing.

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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I had Equifax drop my credit score by 74 points. I believed that there was an error. 
I called to ask for a credit report and they said that I had one this year and I would have to pay for it. 

I told them that the questions they were asking did not pertain to me. My first name is XXXX, they asked about XXXX. The had me having a car load in XXXX and a mortgatge in XXXX. I have neither. The equifx representative laughed at me when I told him I believed the law stated If incorrect info was on my report I could ask for another. He laughed and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A unauthorized company, XXXX XXXX debited my PayPal account {$4.00} and {$83.00}. I noticed it right away and notified paypal. Pay pal refuses unauthorized transaction refund because they suggest the purchase is consistent with others in the account. I don't even know what this company " XXXX XXXX '' is all about.

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 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I had student loans with XXXX. The TOTAL payment for the loans under my income based repayment plan were {$220.00}. Nelnet took over the loan in XX/XX/XXXX. They now claim I owe them {$270.00} each month. I did not re-apply for the IBR program and am not due to do so until XX/XX/XXXX. How can they just change my payment amount? Additionally, I have placed several phone calls to them where I have gotten various answers to my questions. At one point the customer service rep said that they did not increase my payment amount and that they couldn't. She told me to continue to pay what I was paying to XXXX. I have since recieved a letter from them. THey removed my 2.5 % interest rate reduction for a late payment. WHAT late payment? I've paid EVERY payment on time. When I attempted to resolve this issue they said that they would not return my interest rate reduction, despite increasing my payment amount and despite every payment being made ON TIME, month. I have spent over an hour on the phone with them over the past several months. I was given false information, which I relied upon to my detriment, then they refused to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.

Company response to consumer: Closed with explanation