vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MT

Complaint narrative:
I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

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 2017-06-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided  one  to them. This statement has not been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Coastal Financial Solutions, LLC
State: OK

Complaint narrative:
XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between   XXXX   XXXX   after I have told them in the past to never call me at my job.

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 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
TD BANK  USA/TARGETCREDIT  Address :  XXXX   XXXX   XXXX   XXXX , MN  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....     I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over  22  accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on  XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer.     Thank you in advance  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A request for a lien release was faxed into Capital One at the number they supplied, XXXX on XXXX XXXX of 2017. According to their website XXXX XXXX XXXX XXXX XXXX XXXX, the release should have been sent within 2 business days. Around XX/XX/XXXX I called to check the status, the representative stated that the release had been mailed on XX/XX/XXXX or XX/XX/XXXX. Around XX/XX/XXXX I called again to check the status and was told it would take up to 30 days for the request to be processed and the release to be mailed.
On XX/XX/XXXX I called again to check the status having now received multiple stories. A supervisor stated that this loan was under a different set of rules than what is published by Capitol One and that the 30 day window was correct, though I can not find it anywhere. Capitol One now states that XX/XX/XXXX they received a fax ( possibly from XXXX who had previously held the loan ) and that the release had been shipped out on XX/XX/XXXX, though as of XX/XX/XXXX no letter has yet arrived. As it stands, Capitol One has agreed to XXXX the release which should arrive no later than Monday, at this point I 'm not hopeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided one to them. This statement has not been posted.

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 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF THE WEST
State: NE

Complaint narrative:
I had a balance transfer check returned as I made it payable to myself "  XXXX   XXXX  '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.

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 2017-06-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.

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 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
I went to this urgent care due to  XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with   XXXX   he was going to diagnose me with  XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse.     When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after  ( 5 )  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc.
State: OK

Complaint narrative:
XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I do not have a contract with AFNI. I am not liable for collection of a debt from  XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Call stating the are " independent courier '' that are sending a uniformed officer to my house today. Call me and my family all the time. They never send anyone but they threaten all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prizm Financial Company, LLC
State: VA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
A few months ago, some  XXXX  purchases were fraudulently made using my  XXXX  i.d . and the perpetrator  ( s  ) attempted to pay for them using my Paypal account. I contacted   XXXX   and  Paypal  about the issue. Paypal originally credited my account for the {$1500.00}, but is now requesting the money back. No goods or services changed hands and this was and is a fraudulent transfer. They are threatening to close my account and make negative comments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: SC

Complaint narrative:
There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I agreed via a phone conversation with XXXX to a loan modification to bring my account current and adjust monthly payments. The agreement called for three monthly payments of {$1200.00}. beginning in XX/XX/XXXX. The first two payments were made on time as agreed, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we received two certified notices of default with intent to accelerate dated XX/XX/XXXX. We also received three notices stating that the loan modification was no longer available and to contact the company for information about other " foreclosure alternatives. '' The company 's hours are Monday through Thursday, XXXX to XXXX and Friday, XXXX to XXXX. Since it was after XXXX when we received the certified letter, we had to wait until Monday to call. We spoke with XXXX, ID XXXX, who told us that we now had to talk with a " single point of contact, '' XXXX XXXX, at XXXX. We called him Monday morning. On Tuesday evening, after not receiving a return call, I called a second time. Once again, I got voicemail. I mentioned that we planned to work with a debt management company, and so I needed to know what our monthly payment would be moving forward. Very shortly, XXXX XXXX returned my call. Unfortunately, I was unable to answer. He asked me to return his call to XXXX, which is an outright scam. I called him a third time and once again left a message. I called the main number, XXXX, and was told that our point of contact is not XXXX XXXX but instead XXXX XXXX at XXXX. I have left two messages with her with no response. Please see the " additional comments '' section of the XX/XX/XXXX and XX/XX/XXXX statements regarding this modification agreement.

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