vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.

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 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX my wife received a letter from XXXX XXXX XXXX XXXX XXXX, GIg Harbour, Washington XXXX. In that letter they listed debts solely owed by me and attempted to convince her she too was responsible. The debt involves unpaid parking tickets on a vehicle solely owned by me. The account # is XXXX. Not only did they share privileged financial information with a non party but they attempted to convince my wife she was responsible for the debt. XXXX XXXX also refused to provide the nys licensing information and indicated that she was not required to do so. XXXX also would not let me speak and indicated that my wife would be in trouble if she did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: MN

Complaint narrative:
I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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 have over 60 inquiries on my credit report. The only one that is valid is XXXX XXXX. 
The other ones are fraud. I have an fraud alert on my file as well. 
I have contacted the equifax over the phone and in writing. 
They refuse to cooperate with me telling me although they are fraud inquiries they ca n't delete them and, I know this to be false. 
The inquiries are affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MN

Complaint narrative:
I had to go on long term XXXX XXXX XXXX, XXXX. I called Sallie Mae asking for different payment arrangements fur to me not working. Sallie Mae would not work with me or offer me any type of forbearance in which I did n't have to pay a fee. They call me relentlessly and my family and I have reached out to Sallie Mae calling them back and they offer no options for someone like me on lomg term XXXX. The last person I talked to threatened my account would eventually be taken to court for XXXX. I asked him why XXXX was willing to work with me ( another private loan I have XXXX and why they wo n't. He said there are no other options available for me and he will keep my account in collections. So I asked if he was going to quit calling my extended family and myself relentlessly since he does n't have any options for me and he said no. They call my extended family and myself at least XXXX times a day and when I answer they do n't help me. The fourth time I called Sallie Mae the lady I talked to asked if I had a friend that could pay my past due amount of XXXX. This company has been harassing me when I have told them I can not afford payments at this time and they offer no resolution when they do harass me. Before my XXXX I made each Sallie Mae payment on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
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 would be eligible for over a year student loan forgiveness as I work as a mental health provider for a non profit. However, I was never informed of this. Instead due to my low income and being a XXXX mother I was talked into more like forced into derfeenr or forbearance as I had to chose between paying my mortgage or student loan. Now with interest I owe more than several years of my gross salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX I got sick since that year I stopped working my heath got worse befote that day XXXX have no money problems and my credit was really good XXXX I got XXXX and my health is not getting better but worse most of the people I owed money try to get their money and some of them sue me in court some of them started to call home nonstop they try any way to get their money because I am in desability my money is really limited XXXX of them is mcm XXXX this company is being calling nonstop and trying to get me to court today I received a letter from them they are they started another sue in court case # XXXX this letter is saying that I have to give them information about me they called fact information sheet they keep trying but true is only makes me more sick with this problem I can sleep my heath gets worse with this people calling me I never even heard about how much I owe them and if this amount of money is true or they are making it up how much I owe them and for how long I need help from this people they keep my harassed me any way they can calling my neighbor calling late at night or Sunday or early morning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX is a senior on XXXX XXXX living alone and in and out of the medical facilites for various medical treatments and procedures. She did in fact hire several law firms to take care of her bills and and her home and all 3 of the the law firms with licensed lawyers with so called experience took her money and even the attorney she gave her check book to pay her expenses is no where to be found. 

After returning to her home she found that none of her bills ( even her utilities were off ) nothing was paid as well as her mortgages. She is now faced with a foreclosure on a second mortgage serviced by Ocwen Loan Servicing. She has tried to speak to Ocwen but has not been able to work out any solution so far. 

She is facing foreclosure on XX/XX/2017. She pray that she will have a chance to save her home. This is a XXXX second loan serviced by Ocwen. 

XXXX has monies available to her that she inherited from her late husband. 
She is able to make payment arrangements and she need and want to save her home. 
She is looking for help ... Please help her!

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

XXXX XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + XXXX} Needs Attention

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 2017-10-06 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: Lending Club Corp
State: CT

Complaint narrative:
I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''

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 2017-10-06 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: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit information has been compromised through two companies : The XXXX XXXX XXXX XXXX XXXX KY and XXXX. I was advised by my bank to contact Trans Union to find out my credit score, install a credit alert system, and freeze my information. I had to sign up to pay {$19.00} for a monitoring service through Trans Union to access my credit score, and once I did that, I still could n't learn my credit score or freeze my information. I do n't know what else to do to protect myself or to learn my credit score. It 's possible that I have misunderstood some portion of this process.

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 2017-10-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We have been trying to do a Loan Modification with Ditech for over 20 months. During this process they would keep asking us for more and more of the same information we had provided already. We would call every couple weeks to get updates and all we were told is that we would get something in the mail. Then all we would get in the mail is that they need updated bank statements, XXXX, and profit and loss statements. we had already provided this before but then since it would take long for them to get back to us they would request it again. Finally when they did answer us it was with a Denial that we could n't modify so now we are in Foreclosure. In the mean time we did receive a letter attached that if we need help to call Ditech so they can assist us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation