vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with Kia for a car I co-signed with my son. He went on to explain to me since I have a current car with Kia, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current Kia account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/XXXX something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.

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 2019-10-15 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also Experian is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I received an email alert regarding an inquiry of my credit report that I haven't authorize. I don't recognize that inquiry. I call TransUnion and they said they can not erase that inquiry from my credit report. I asked them to start an investigation and they refused. 

The inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested on : XX/XX/2019

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 2019-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.

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 2019-10-15 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: FL

Complaint narrative:
I am requiring to remove wrong account XXXX/XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.

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 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
They call numerous times, do not send anything via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I was informed that the collection account on XXXX was deleted and removed off my credit report. The debt collection company was revenue enterprises. I had never received anything from them in the mail, last thing I have ever received was from original owner, XXXX XXXX XXXX just stating a owed amount that my insurance covered. I didnt even know I had a collection account until checking XXXX  XXXX. One i  saw it & disputed it because it wasnt accurate. After receiving confirmation of the account being deleted off my credit report due to inaccurate information I figured that I didnt have to do anything more. It was removed from XXXX  as well. On XX/XX/2019 I got an email from XXXX XXXX  stating a new account was opened from revenue enterprises, also received an email stating the same thing from XXXX  XXXX, & XXXX  XXXX. I got into XXXX  to look at everything since I pay for premium. I noticed I had notifications. The notifications show on XX/XX/2019 revenue enterprises reported a new opened account and for a higher amount than it originally was. It now show it was XXXX instead of XXXX. Then it says on XX/XX/2019 that revenue enterprises flagged my account on XXXX  as unpaid and the amount is XXXX. 
Then on XX/XX/2019 another notifications I seen on XXXX says revenue flagged my account as collections on XXXX  and the amount is XXXX. When I call revenue enterprises they say they never received an disputes and that its been reporting since they bought the debt. That I have to contact the Credit bureaus and ask them and that I never received any notifications of the account because my address wasnt correct. I have updated my address with post office and all my mail has been forwarded to my new address I have received everything else but nothing from them. I called XXXX  they told me they cant do anything that i need to contact revenue enterprises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I need Equifax to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have applied for a credit increase with Capital One five times and l have been decline in getting a credit increase. 

My credit scores are in the XXXX and XXXX mark. 
I was declined because to many recent credit inquiries, in which the inquiries was implemented to get a better VA lender to purchase for a Home. 
In which l am Preapproved and qualified with VA lenders to get a better interest rates and deals. 
Presently, I obtain XXXX XXXX and my VA Loan Agent is XXXX XXXX. 
Email XXXX I have filed various Federal government complaints against XXXX as they have been retaliating and discriminating against me, because of my National Origin as a XXXX XXXX XXXX and XXXX XXXX XXXX Military Veteran. 
I am respectfully XXXX XXXX and XXXX. 
XXXX has a business partnership with Capital One and XXXX has given my private information to other companies. 
My credit scores is demolished because of XXXX breach and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I keep getting false notices about my loan. The payment amounts do not match and are not consistent. I have tried calling the servicer, but they do not offer any specific information. They are not helpful. The supervisors I have talked to are not helpful. They don't seem to understand the questions I am asking. I worry that my payments are being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was impacted by hurricane Irma and then Michael and Wells Fargo put me on a disaster forbearance to offer relief. I was promised a disaster loan modification when it was over but they did not do it and forced me to apply for a normal loan modification to save my home. I have income consisting of VA XXXX from military service and this income has always been used in the past for any review. Wells Fargo denied my loan modification because they would NOT recognize my income of VA XXXX. I feel this is a violation of the Fair Housing Act and is wrong. I escalated it at Wells fargo and they sent me to the customer care and recovery group ( office of the president ) which I have found NOT helpful to homeowners in the past as they just rubber stamp any decision without objectively trying to help the homeowner retain his home. I did not request their office but only a normal supervisor but again my request was denied and they sent me to this group which is like going to court in XXXX XXXX ( no fair hearing )

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 2019-10-15 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 am revisiting this complaint that has impacted me for years since graduating in XX/XX/XXXX.  Sallie Mae ( now both Sallie Mae and Navient ) coerced me into NOT doing student loan consolidation in XX/XX/XXXX ( that significantly dropped my variable interest rates into a low fixed rate ) when they had a consolidation program available. They told me not to consolidate if I had thoughts of going to XXXX XXXX because if I go to XXXX XXXX I wouldn't be eligible for school forbearance, and that I could do consolidation when I am completely done with school. -- - So I continued to pay on the loans at the high interest rate, and I went back to school I was working and going to school - Sallie Mae made the assumption that if a student is in school they don't pay their loans -- this is false and has been harmful to my credit score, getting a mortgage, and now trying to consolidate my loans through XXXX ( I am not eligible now b/c of debt to income ratio and also my credit score ) ... ..I called Sallie May again in XX/XX/XXXX and XX/XX/XXXX when I saw my fixed rate increased yet again asking/this time begging for the consolidation and they told me it was no longer an option/stopped offering it to consumers ... a couple years ago, a Sallie Mae rep told me that the only time they lower rates is if I show I can not pay, and that happens when you can't make payments based on income and expenses. This killed my credit score, which I have yet to recover from to do student loan consolidation. Paying back my loans has been a struggle since XX/XX/XXXX and I want Sallie Mae to drop my student loan interest to the rates they would have been if they would have been consolidated back in XX/XX/XXXX, and remove all credit reporting when they put me on a " special rate program for people who can't pay ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Above company attempting to collect {$1400.00} medical bill that i am unaware of. I have sent certified letters after letters asking them to submit my signed medical contract and they have failed to do so. I need this resolved immediately and removed from my credit report.

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from Specialized Loan Servicing. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted Specialized Loan Servicing to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with Specialized Loan Servicing they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX  XXXX XXXX/XXXX XXXX / Specialized Loan Servicing have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that Specialized Loan Servicing as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.

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 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CA

Complaint narrative:
I contacted Key Bank on XX/XX/2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. 

They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. 

After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I first received a call on XX/XX/XXXX from a mediation service " hired '' by XXXX XXXX to collect an old debt. I went ahead and set up a payment arrangement and was reassured this would be taken care of. XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the letter claimed the current creditor was " XXXX XXXX XXXX '' .This debt according to them was paid in full as of XX/XX/XXXX. I received a " release '' letter and was not contacted any longer, and noticed this didn't show up on my credit reports. on XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX claiming they purchased this debt back in XX/XX/XXXX, and the previous company only collected interest and I had 48 hours until they sent out a service company to serve me with court papers. The company didn't state their name and sent me an email with a letter from XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX XXXX XXXX. I didn't hear from them until today XX/XX/XXXX claiming they were filling with the local jurisdiction XXXX XXXX and going to serve me at work ( they had the incorrect employer, I didn't correct them ) I asked for more clarification but they keep repeating legal nonsense and don't answer my questions.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation