vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I  contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: IL

Complaint narrative:
In filing my most recent employment certification form for qualification towards the Public Service Loan forgiveness program, I had my form denied due to the fact that I did not have an employment end date ( I am still employed, and that box was checked ) ; and it was stated that my employer did not date the form. However, upon review of the form, both sections were filled out appropriately. I called Fed Loans to discuss, and the agent informed me that it appeared the form had been altered for the DATE SIGNED. The agent said the " 8 '' look like it was changed from a " 6 ''. I have filled this form out for almost 7 years and have never had an issue. In speaking with a representative higher up, he told me they never should have denied my form. I ended up having to submit another form, however, am awaiting approval. 

This is just one of many complaints I have had with XXXX, including extensive wait times and forced forbearance on loans during re-certification periods or change in payment amount verification ( as occurred in XX/XX/2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided. 

9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again. 

That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I received a modification in XXXX. During that same month and the next month I had several huge unexpected expenses : medical care for my dad that was diagnosed with XXXX XXXX, water leak that caused my water bill to skyrocket to almost a XXXX dollars, college expenses for my daughter, repossession of my car which I had to get back to go to work and I underestimated my monthly expenses when I applied for the initial modification. I am now behind XXXX - present and my mortgage company wo n't help me. filed XXXX in XXXX but my attorney provided them with paperwork to be able to make arrangements with me on my mortgage. I was told several months ago that I did not qualify for a streamline modification because at the time my mortgage was not over 90 days behind and that if I had not have filed ch XXXX in XXXX, they could have put me on a payment plan.That 's contradictory because a modification is a pymt plan. I have appealed my denial but to no avail.

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 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Previous complaint XXXX was recently closed after the company responded they would remove the items from my credit bureaus. As of today they remain on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TX

Complaint narrative:
XXXX XXXX XXXX, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, XXXX 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to XXXX is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.

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 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX (  around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) (  B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) IC Systems, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 )  ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Security National Automotive Acceptance
State: VA

Complaint narrative:
In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from 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 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX  and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for  accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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