vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have received multiple calls and voicemails from XXXX XXXX concerning my payments. While I am behind, I am still making consistent payments of at least the minimum required monthly amount and typically more than the minimum to catch up on the loan. I have repeatedly asked the company to not contact me during my working hours which are typically XXXX to nearly XXXX XXXX. I continue to be harassed by calls during these times and have been questioned by my boss as to why I am answering my personal cell phone during work hours. Many of these calls are occurring during meetings and cause a disturbance if I happen to not have my phone on silent. XXXX XXXX records all calls and should have it documented that I have requested this and I have voicemails and documentation of the calls that I have received during business hours. 

They have also not offered any viable solution to help bring my account current or reduce interest rate/minimum monthly payments to help me afford the payments. A very predatory company overall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
*I purchased my home XX/XX/XXXX. 
*I re-financed my home XX/XX/XXXX with XXXX XXXX XXXX . 
*XX/XX/XXXX, I agreed to a loan modification agreement with XXXX XXXX XXXX . 
*I was told my loan will end XX/XX/XXXX. 
*I requested an amortization schedule from my loan company, Mr. Cooper XXXX 
*First request, payments were extended beyond XX/XX/XXXX. 
*I requested an explanation and a new amortization schedule since I borrowed money to pay down the principal. Request was denied.

*Mr. Cooper led me to believe they were going to assist me with a new loan modification due to an increase of payments because of higher interest rates, medical and employment issues.

*Mr. Cooper instead ran my credit and denied me any assistance causing an undue burden on me. They stated they were trying to see if I could re-finance, when I didn't ask for a refinance due to my employment issues. They were fraudulent and misleading and as a result, my credit score was lowered. 
*I think my loan is predatory because it would take 40 plus years to pay it off and I never missed a payment. 
*I would like a loan modification that is fixed and not appear as if it has a negative amortization. 
*The language in my agreement is ambiguous, misleading, and the numbers are misrepresented and contradictory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line. 

I never received any communication of them having the debt and was refused a validation period. 

SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Home Mortgage charged me for insurance on my home even though I already had coverage.

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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: KY

Complaint narrative:
Credit Protection Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with Monterrey Collection SVC I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: IL

Complaint narrative:
I called Transunion on XX/XX/2018 at XXXX  CST and spoke with XXXX their representative. I explained to XXXX that I knew about the companies breach and that their were inquiries on my report that had been removed and are now back. I also stated that under the FCRA sections 6 and 11 anything deleted can not be reinserted without my consent and or knowledge, he in turn said he would not remove them. There are several inquiries

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 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since the loan was initiated in 2015, we have not received one paper or electronic statement from the bank. Autopay was not used, we have no way to track, no tax information from the last three years. A payment was accidentally unpaid due to the lack of information and the bank said we were one month behind for the last three monts, and the report has been done accordingly during the last three months on the credit. No warning call, no clear information on the website and no statements available since loan initiation. The banks answer : we should have paid using the talon of payments and it was our responsibiity to keep track of it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Principal Group, LLC
State: MN

Complaint narrative:
For months now, I have been harassed by NP Group ( aka National Principal Group, XXXX XXXX XXXX NP ). They claim that I have an outstanding Payday loan which I do not have. More than a month back, after weeks of them calling me repeatedly throughout the day, I requested they send me proof of this alleged debt as I do not have an outstanding payday loan, which they did not do. Their harassment ceased for a few weeks after, though has resumed today. I returned their phone call and in trying to get the necessary information to file a formal complaint, the representative continued to hang up on me. I attempted several more times and upon one attempt, was being told that I would be transferred to their Consumer Affairs department and then was promptly hung up on again. In calling again to demand that they stop harassing me, their representative told me that he was " Not going to argue '' and that I should " Expect calls to continue '', and then proceeded once more to hang up on me. 

Today, I have filed complaints with the FTC and the XXXX. If the harassment continues, I will seek legal action. I will not be bullied into paying a false debt, nor will I tolerate being harassed by a company that refuses to offer any necessary information to prove their credibility. 

I can not attach any documents because the company has failed to provide me with any documentation on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: KY

Complaint narrative:
Americollect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. 


XXXX reported normally. 
I've called Transunion a total of 30 ti
mes asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XX/XX/XXXX Transunion informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. 

Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time.. 

At the end of XX/XX/XXXX XXXX received a email from Transunion Hello XXXX, The account ending in XXXX was deleted in XX/XX/XXXX and is not able to be reinstated.

If you have any further questions, please contact us at XXXX. 

Thank you, XXXX XXXX Customer Service Representative TransUnion XXXX XXXX XXXX XXXX XXXX Pa XXXX Tel : XXXX Fax : XXXX XXXX This is completely unfair I've been put in a run around for a months! Just add the account please. 

I was told by Transunion I can not add the only person that can report on my credit report is a creditor. So the creditor tried to add over 7 times .. Then they tell the creditor, XXXX they can not add it. 

This creditor is a legitimate reporter. The account is legit that belonged to me a account I just paid it off RECENTLY XX/XX/XXXX not XX/XX/XXXX. I paid this account EVERY SINGLE MONTH ON TIME, and they should be allowed to report it especially since no one is disputing it and it belongs to me.

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 2018-05-02 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: WA

Complaint narrative:
I was informed my student loans from XXXX would be transferred over to navient. All my information would be updated from XXXX to navient from what I was told. When I received a notice that my loan with navient was due I called and said this isn't right the due date, the auto deposit etc. They told me they tried reaching out to me which I never got anything and was told they would fix it. I called in XX/XX/XXXX to fix it and was told my due date would be XX/XX/XXXX that's the latest I can make a payment ( which I don't agree that XX/XX/XXXX the only date ). I got disconnected and called again. I was told by a supervisor my payments would be on XX/XX/XXXX instead. I checked my account end of XX/XX/XXXX and noticed they didnt update it. I called today XX/XX/XXXX and all the way to the supervisor said there was no record of anyone noting the change to XX/XX/XXXX not XX/XX/XXXX. I asked to pull the phone conversation and they said they can't. They have recorded lines and don't appreciate how they treat the borrowers. They need to stick to what they say if they tell an individual anything towards their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
Received a phone call attempting to collect a debt that is not owed by me.

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 2018-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: NC

Complaint narrative:
I got the loan with the intention to pay it off right away but my position in my job changed abruptly and my pay decreased leaving me in a financial bind. I originally borrowed XXXX and have been paying XXXX biweekly since XX/XX/XXXX with an initial payment of XXXX and can no longer afford it. I called them to ask for assistance or if the pymt could be lowered and they refused. To date I have paid a total of XXXX. I do not want this to negatively impact me anymore than it already has. I know that I borrowed the money with the intention to pay it off quickly but I just want to be able to move on because they have already received their money back and more than the amount I borrowed.

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 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: General Financial, Inc.
State: MO

Complaint narrative:
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with XXXX XXXX XXXX I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NC

Complaint narrative:
I am a victim of identity theft.

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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: KY

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
When I joined the Military in 2011 I put my sisters name on my Wells Fargo Bank account in case of any emergencies. She has been on my account since. Recently upwards of 12k dollars was removed from my checking account due to a court judgement on someone who lives across the country but happened to have my sisters same first and last name. The middle initial was different and the date of birth was 17 years off but I guess those types of things aren't check? This caused my accounts to overdraft. Not to mentioned caused me to have a nervous breakdown worried I had just had my identity stolen. I contacted Wells Fargo and they are looking into the issue and have escalated the case to their Attorneys. I'm sure this will all be settled and the money will be returned to me, but how can something like this happen? Human error?? Is only one person checking these things? The middle initial on the person involved was a XXXX and my sisters middle initial is an XXXX.  Plus the other obvious things that should have been noticed. Something here needs to be done. There needs to be some better training on this within the business to make sure this doesn't happen to other people. This has caused a very stressful period in my life that I didn't need. Remedial training needs to happen and whoever is at fault here needs to be better supervised. Is this something I need to be worried about happening again in the future?? Should I changed banks?? I still have not heard back from Wells Fargo, nor have I recieved a refund. I figured all this out on my own by calling the clerks office of the people who withdrew payment. Please Help! Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ballybunion Enterprises, Inc
State: MO

Complaint narrative:
Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation