vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. 
This was a horrible way to treat someone even if they do own for a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Northland Group Inc
State: OH

Complaint narrative:
I had a car loan with XXXX XXXX XXXX, I was hit by a drunk driver XX/XX/XXXX. XXXX XXXX paid my loan off to XXXX XXXX XXXX and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get XXXX XXXX XXXX to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX . The accounts total balance was XXXX . PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX 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 2018-03-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become Real Time Resolutions wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX  about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX advised that Real Time Resolutions continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and XXXX that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with Real Time Resolutions, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
On XX/XX/XXXXI sent two certificates letters XXXX and XXXX To Equifax to validate the accuracy of two accounts informed with negative information reported by XXXX XXXX  # XXXX and XXXX XXXX # XXXX .I gave 30 days since received the letters to complete the investigation Never received a reply to those letters sent in the 30 days terms. OnXX/XX/XXXX I sent another two certificates letters XXXX and XXXX indicating that they had violated federal law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law by not replying in a timely manner to my initial letters. They replies those letters with the argument that they verified the accuracy but with no signed document that proves that those accounts belong to me I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.in two occasions They have not verified these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible Thank you. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Attempted to complete a short sale. Obtained lien holder approval. Buyers title company was unable to obtain title insurance, therefore was unable to complete the sale. There was a backup buyer who made a higher offer, which would have made the lender more money than originally approved. They have denied a request for a new review because of the foreclosure sale date set for XXXX18. This date was activated when the back up buyers offer was submitted for a new approval. Since the date was activated the new review is with in 37 days of the auction date. This is the reasoning the lender will not review the offer or postpone the sale date to allow enough time for a new review.

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 2018-03-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

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 2018-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I sent a previous complaint XXXX ; this is in follow up. 
In summary Carrington Mortagage took over my loan from XXXX XXXX   in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. 
The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, my credit report is showing inquiries from XXXX. I did not authorize these inquiries and would like them removed immediately from my credit report. 
Name of Company XXXX Date of Inquiry - XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding previous complaint XXXX. At Experian 's request, I am resubmitting complaint with requested info to block information shown on the FTC fraud complaint form.

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 2018-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. 
Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. 
Then on XX/XX/2018 I sent a cease & desist letter. 
XX/XX/2018 they contacted my sister in law & my biological sister about my debt. 
The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. 
I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. 
The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. 
Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was being charged {$25.00} from what I believe the last two years maybe more never realized it. I check my statement but since I have many transactions it went unnoticed. It is from a company that offers family insurance in case of accident that Bank of America offered me but I never signed any paper that I recall. I dont step foot in a bank mostly is all through online and they didnt even have my current phone number so how did they get my account number if it was supposeably through phone. I have been trying to speak to that company and a representative just told me someone would call back to talk to me. They couldnt give me any details. All I want is for them to prove if I signed up for it or if they committed a scam I dont recall giving them my account number.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: TX

Complaint narrative:
What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.

Company response to consumer: Closed with explanation