vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 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: CT

Complaint narrative:
I have been diligently paying my student l oan ( s )  ; {$5800.00} & {$17000.00} since  XXXX   XXXX  to  XXXX   XXXX , then Navient ( #  XXXX  ) took over said I missed a payment in  XXXX   XXXX  which I believed was misapplied and confirmed as I have a letter from Navient dated  XXXX / XXXX / XXXX  stating " my loan is current and in good standing ''.   I requested a  XXXX  Account  Manager  call me last week  XXXX / XXXX / XXXX , after paying on-line and being charged a late fee and I questioned the balance has not gone down in 12 years. I was read information from my account file today  XXXX / XXXX / XXXX  by  XXXX , Supervisor which I stated was not true to include the amount owed since I keep  getting 6-8 phone calls each day. The Navient Supervisor would not let me speak as I had a witness to this call  documenting the false/erroneous information being read to me by  XXXX , who abruptly hung-up without letting me articulate further. I also applied for loan forgiveness in  XXXX  under the law for the period of   XXXX   XXXX    XXXX   (   XXXX   )  in m y SSA Noti ce of Award dated  XXXX / XXXX / XXXX  after being injured in the line-of-duty as  a Public Safety Officer. Instead, I was placed in forbearance, explained I was not eligible, and placed in an Income Based Repayment Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

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 2017-04-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reported to  XXXX  an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get   XXXX   to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since   XXXX   has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

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 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My husband and I received a letter on  XXXX   XXXX ,   XXXX   from our mortgage com pan  y ( Wells Fargo Home Mortgage ) that ou r account was marked delinquent several times over the time of  XXXX  for our mortgage account and for our home equity line of credit accounts. The months that were in error were  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . This also means that it may have affected months before or after those reportings as well. We own our own business and this has affected our livelihood tremendously!!! We have called time after time and written letters over the years trying to find out why o ur credit score was   dropping and could not get an explination. After several years we finally get a letter f rom Wells Fargo Home Mort gage stating that they were in error. We have to have credit in order to keep our business going and to be able to have inventory, banking approvals for customers, and floor plan for our products as well. This has held us back from being able to make our business grow and prosper in the way it should have been able to and has affected not only our business, employees, and customers, but our own family as well. We have not been able to get loans for business and personal accuonts that we have needed. This in NOT acceptable and we have tried to reach out to many different contacts and credit bureau 's ... ... ...  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   ,   XXXX   XXXX   XXXX   , Wells Fargo Home  Mortgage etc. Please help us get this corrected and taken care of so that we can finally be able to run our business the way it should be and so that we are not punished when trying to get loans for business or personal use in the future.

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 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
I paid my  XXXX   XXXX  account on  XXXX / XXXX / 15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the las t 3 weeks I have been receiving calls from Halsted Financial Services. They call and when  I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my  XXXX   XXXX  debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I would like to see proof that I have made them charges for  XXXX   XXXX   XXXX  and  XXXX . I would like to see proof of my identification card and signature and not a statement of the bill! I did not authorize those charges!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.

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 2017-04-28 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: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The debt collect or furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  RECEIVABLES MANAGEMENT    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: CORELOGIC INC
State: FL

Complaint narrative:
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and   XXXX   credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from CREDCO  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The  debt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

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 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Purchased a treadmill from  XXXX  in  XX/XX/XXXX  after being approved through their website for 0 % interest for 12 months.  Treadmill  was delivered and finally, in   XX/XX/XXXX ,  after I had to call and email  XXXX  to find out who the creditor was, I got my first statement from Fortiva  Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment.     I made the first payment on th e  XX/XX/XXXX  & noticed on the  XX/XX/XXXX ,  an imposition of interest in the amount of  XXXX . I contacted Fortiva  Credit through  the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the   XX/XX/XXXX , I was to ld that the credit would post 37 days later.     So, Fortiva  Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
Enhanced Recovery   Group is trying to collect on a debt that does not belong to me. They also can not show proof o f any contract for the said debt.

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 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This is not my debt. In    XXXX   XXXX   2016, I started the process of purchasing a home. In   XXXX   XXXX   2016,   when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed  XXXX  for an unpaid bill. I was unaware of this debt until that time. At that time, I called  Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the   XXXX   major credit bureaus with a  XXXX  letter to re-investigate this debt and I ha ve recently been informed from  XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.

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 2017-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I had a car loan with Ally bank. My loan was paid off by  XXXX  in relation to closing of a home loan. The payoff amount was more than my balance and now Ally Bank claims not to show any overpayment on my account. And they say that if there is an overpayment, they can hold it for 18 days before refunding me the amount. this is outrageous.     I paid of  XXXX  other loans with VA  XXXX   XXXX  and I was refunded the overpayments immediately.     Ally still wo n't admit there was an overpayment on my account and I have no idea when I will see my money.

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