vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had several months were I could n't make the full payment of my loan and the adviser suggested I go into deferment instead of losing my payment to something I could afford. Also in two separate occasions I had to pay {$900.00} which was nearly 3 times the amount of my monthly payment. 
Loan payments are based on gross income instead of net. If I were to pay the full amount Navient would like of XXXX per month I would not be able to have an apartment and would be homeless. Repayment should be based on net pay not gross.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
And XXXX University, XXXX XXXX SC. I have no faith that when I call in to a for profit making company that they are representing the facts when they tell me I am not eligible for for a government benefit that would reduce my payment or retire my loan early as they ( Navient ) would have no interest in telling the truth. This would reduce their profit and go directly against their stockholders and fiduciary duty to provide maximum return for their company ... how is this duplicity reconciled? I do n't think it is, they rip me off when I call in and ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NH

Complaint narrative:
Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them. 

Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA. 

This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone. 
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice. 
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc. 

We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX. 

***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
My debt was wave do to a reinstall of services with XXXX, so there is no debt, but this company still want to charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I gave a NetSpend Debit XXXX card to my XXXX year old daughter as a gift. The amount I purchased was {$120.00} There was an additional fee of XXXX, so the total paid by me was {$120.00}. 

When my daughter called to activate the card the service representative requested her social security number and her drivers license number. She gave the service representative this information and only to be told that they could not verify her identity and the card could not be activated. 

Calls to NetSpend 's customer help line XXXX does not provide access to any customer service rep. The caller is cut off after a few minutes even after providing requested personal information. 

An email to NetSpends Customer service address has gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
sw credit for XXXX for {$510.00}. I believe this is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest credit collection agency continues to report wrong information about me to the credit agencies even after it is determined that I am not the person there looking for, Ive disputed the issue multiple times sent my SS # and documentation. Ive spoke with a supervisor XXXX XXXX who said that Equifax and her company got my name mixed up with someone eles. Southwest reports information to the credit agencies without first contacting the consumer about the debt.

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
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit

Company response to consumer: Closed
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: IL

Complaint narrative:
I believe I received this offer after clicking a sponsored ad for credit card offers on XXXX. A few days later I received an unsolicited prepaid debit card displaying my name in the mail. 
Several attempts to reach a " live '' representative failed and automated methods required a SS number that I refused to supply. I have no active account with this organization, so I see no need to offer any personal information beyond my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vital Solutions, Inc.
State: IL

Complaint narrative:
In XXXX 2014 I entered into a settlement agreement with Vital Recovery. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. XXXX XXXX has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I called the depth collecting agency and they said that it was n't active because it was n't me after all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: PA

Complaint narrative:
Brinks Prepaid MasterCard failed to replace a stolen card and refused a deposit under the XXXX act of 1999

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
My student loan account has been with the Ombudsman Group at the DoE for well over 400 days and today, I spoke with yet another collection agency ; Central Credit Services LLC. They had given me poor advice in XX/XX/XXXX that I should NOT file my taxes. The IRS told me this was terrible advice for anyone to give so I filed anyway. I received another letter from the collection agency and called them to please mark the account " in dispute '' and asked for some paperwork while the details are being investigated. I asked for the fine print and statutes set forth by congress regarding the Rehabilitation program. " XXXX '' told me they do not have those files. I asked again why she was denying this borrower 's rights to have all of the details in writing before a payment amount would be discussed and she responded by saying " we do n't have that ''. I reaffirmed my assertions that her agency was denying this borrower the right to fully understand this contract agreement and told her to " Have a nice afternoon '' and proceeded to end the call. I would appreciate if this topic could be examined more closely. It is frustrating to find out that I have an increasing balance when my rights are being trampled and no apparent course for restitution or correction. Please contact me if this office ( CFPB ) would like more information. I am currently compiling a file with the outrageous claims made against me since the account maliciously was sent into default by violating UDAP statutes in the XXXX XXXX offices.

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 2017-01-12 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Risecredit, LLC
State: NY

Complaint narrative:
I received a loan from RISE credit, illegal in New York state, for {$3500.00} XX/XX/2016. After months of harassment and withdrawals from my account which caused me to incur overdraft fees, they sold my account to XXXX with a balance of {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: MS

Complaint narrative:
Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from XXXX from XX/XX/XXXX and I believe I stop paying into XX/XX/XXXX. I was paying XXXX but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. XXXX decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and XXXX should not have sold this to them. I did my research and XXXX was being held responsible for selling loans they should n't sold. I was more than willing to work with XXXX and I have letters to prove my struggle with XXXX. I have always had a high credit score before needing a operations. I even was able to work with ( XXXX XXXX ) which I understand is one of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXX was removed from your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief