vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I strongly suspect that my loan servicer has sold my private information to scammers as I have received numerous text messages and calls over the last few weeks regarding illegitimate offers to " forgive my student loans ''. I never signed any document agreeing to allow my servicer to share or sell my information. This is a clear breach of my privacy as their client and it should not have happened in the first place. These scam organizations should not have access to my phone number, the name of my loan servicer, nor should they be privy to the fact that I have a student loan at all. A sampling of some of the text messages I have received are included in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: WV

Complaint narrative:
Originally obtained auto loan through XXXX in XX/XX/XXXX. I was unable to make the payments and gave the car back to XXXX. They auctioned the car, but never gave me notice about amount sold for or any deficit. 

XXXX XXXX purchased the debt in XX/XX/XXXX. The claim they sent me a letter to dispute the amount owed, but I never received any letter. In speaking with XXXX ( Mr. XXXX ), I was told they sent it to a specific address. However, I never used that address on my loan application, nor had I lived there in the past 10 + years. XXXX refused to answer questions. I sent an email with several questions, but they again refused to answer same. XXXX claims the car was sold for {$7600.00} However, my credit report shows XXXX. He refuses to explain the additional amount. he said he was will to negotiate. 
This should not be on my credit report, because I never had the opportunity to dispute anything, including the amount owed. 

Please see attachment with questions sent to Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve

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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My home mortgage was transferred/sold to Rushmore Loan management on XX/XX/XXXX, account number XXXX. I was with XXXX XXXX XXXX until then. I was approved by XXXX XXXX XXXX  for a 6 month forbearance, as I am a XXXX XXXX and was furloughed, is the reason for the forbearance. My forbearance was from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I am to pay {$3600.00} to bring my loan current. Rushmore states they are not aware of any forbearance and stating they are not aware of my forbearance. I faxed and mailed them a copy of my forbearance approval on XX/XX/XXXX. Today someone put a notice on my door that the mortgage payments for XX/XX/XXXX and XX/XX/XXXX are due. I called Rushmore on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX. At each call I explained my forbearance circumstances. They continue to state I must make all payments to bring account current and ignore my forbearance. They are stating foreclosure will proceed if payments are not brought current. Can you help me. Thank you in advance for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TX

Complaint narrative:
I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( XXXX XXXX ). Ive made an agreement with XXXX to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to XXXX XXXX. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being XXXX stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that XXXX XXXX increased the amount and not deleted it. I tried contacting XXXX  in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, Transunion, XXXX, and XXXX Credit Bureau informed me until XXXX XXXX sent something to them the charges will not be removed. Please assist!

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 2019-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Every month to login to make the payment I have to reset it all over again.

So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed.

I have complaint to them and they do nothing.

This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Will not provide payoff instructions letter to purchase car at end of lease via other lender. They will only provide the information verbally. They can't generate a payoff letter. Want me to just mail a check for $ XXXX to an address they give me over the phone and wait and see. Trying to make me go to the dealership and have them process so they can sell me on a new lease. Spent hours on phone with them and got different addresses and instructions from different reps. File attached is all they would send me, just the amount and no details on how to pay the amount.

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 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: AR

Complaint narrative:
I received a call at XXXX XXXX. on XX/XX/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative. My FDCPA rights were violated.

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 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I am reaching out to Consumer Financial Protecttion Bureau regarding an issue with my Escrow Account through Loancare. 

I contacted them by e-mail on XX/XX/XXXX @ XXXX XXXX Below is the e-mail sent to the company : Good afternoon, I am reaching out to LoanCare regarding our Escrow Shortage. 

I received an escrow statement informing myself and my husband that we acquired an escrow shortage. The year prior we did not incur an escrow shortage. That figure should have been in place to ensure that the escrow account acquired proper funding to pay all necessary mortgage fees. The escrow amount was altered the beginning of XXXX which resulted in a shortage of funds. I confided in LoanCare to calculate escrow to cover all expenses to include MPI, city and county taxes, as well as Home Owners Insurance. LoanCare has failed to calculate the escrow accordingly. I feel I should not be penalized for a mistake LoanCare made. 

I refuse to make a payment on the escrow shortage until I receive an explanation as to why there was a deficit on our escrow account. Additionally, the shortage that appeared on the statement was incorrect as well. 

The breakdown of the costs which our escrow account pays are as follows : XXXX Home Owner 's Insurance XXXX City Tax XXXX County Tax XXXX MPI Total : {$3000.00} The total amount of contributions to our escrow account for 12 months is : XXXX ( year XXXX ) {$2800.00} Shortage of escrow ( XXXX ) : {$230.00} The new escrow amount of {$250.00} ( year XXXX ) will result in yet again, another shortage for the upcoming year. 

Please explain what method was used to result in the {$330.00} figure that is referenced to our escrow shortage. 

As of today 's date, I have never received a response. I attempted to contact them by phone, only to receive a message of " If this is normal business hours, we apologize for the inconvenience. '' Shortly after, there was a disconnect. 

I would like to discuss my Escrow account as the Escrow Loancare is stating is due is not the correct amount. 

The year prior, our escrow amount covered all disbursements. However, after lowering the escrow payment, we now are forced to pay a shortage. 

In addition, Loancare disabled our online account due to being in Bankruptcy. With that being said, they allowed us to pay our mortgage online for 4 years of bankruptcy, after than point they realized that we were not allowed to pay our mortgage online since we are in bankruptcy. I find this rather concerning that after 4 years they finally noticed the error. 

I would like a response from Loancare regarding the discrepancy in our Escrow Shortage. 

Thank you for your time. 
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 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
We have been trying to work with Ditech/Green Tree since XX/XX/XXXX to request a loan modification. Each time a package was received, Ditech would request additional information via mail, we would provide the requested information, they would say that the originally submitted information was out of date and deny the application based on an incomplete application. 

They have twice filed for foreclosure, both times while a loan modification request was being considered. In XXXX of this year, we had a hearing with a Judge on the foreclosure and based on the information submitted the lender was required to review our documents for eligibility. We received a denial letter, and that denial was based on a bankruptcy that was discharged in XXXX. We were offered no process or opportunity for appeals, even after we requested such from the lender. 

I believe that this lender has not complied with the requirement of RESPA or FHA when it comes to evaluating the property for options for loss mitigation. We experienced a temporary loss of income when this happened, however after it became 90 days delinquent they would not accept additional payments from us, which has created a snowball effect of late payments. 

Any help you can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greater Collection Agency Bureau, LLC
State: AR

Complaint narrative:
I have gotten voice messages from this company advising that law enforcement/legal parties were involved and that I absolutely had to give them a call back. When I reverse searched the phone number, I discovered it was a debt collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Problem getting your free annual credit report
Company: FactorTrust, Inc.
State: TN

Complaint narrative:
I have tried several times to obtain my annual copy and the company has refused to comply. I initially tried online but was denied due to me requesting a copy for being declined last year. They stated I can not do it online but once a year no matter what the situation was. I then faxed over a copy of my utility bill and id attached and they are not stating it is not legible. They refuse to validate over the phone. They are in violation of my right to obtain a free annual copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2019 the amount of {$410.00} was deducted from our bill pay with XXXX XXXX XXXX XXXX This transaction was mistakenly sent to XXXX XXXX instead of the party it was meant to. This was not the error of the bank but by accidentally clicking on the wrong bill payee. This XXXX XXXX account has been inactive for several years. Many calls were made to XXXX XXXX and XXXX XXXX which is their financial service. They suggest we contact our bank and our bank tells us there is nothing that can be done on their part and suggests we contact the payee. We have confirmation that XXXX XXXX accepted and deducted the amount from our checking account. We question that XXXX XXXX accepted this amount on an account that has been inactive.XXXX XXXX has no information on any of our personal information because the account is inactive and yet they accepted the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I need to file a dispute on Experian Credit reporting agencies this is My 3rd and Final written Request to Experian Before taking Legal action on this Company. I have asked them for Physical Proof of disputed items on my credit report but they fail to respond to my Request! This is a clear Violation of the FCRA. They keep saying that they have CERTIFIED verified these accounts with the creditors But they are not sending me any of the information that I have asked them to send me such as the ( ORIGINAL CREDIT APPLICATION WITH MY SIGNATURE ATTACHED TO THAT APPLICATION ( FCRA 609 609 ( a ) ( 1 ) ( a ) I WOULD THINK THE CREDITORS WOULD HAVE THIS INFO TO GIVE TO EXPERIAN IF THEY CLAIM THAT THEY HAVE CERTIFIED THE ACCOUNTS IN THEIR INVESTIGATION THIS IS THE INFORMATION I NEED DURING THIS DISPUTE PROCESS FROM EXPERIAN! THEN I GET ANOTHER LETTER FROM EXPERIAN SAYING THAT THEY WILL NOT DISPUTE THE ACCOUNS ANYMORE UNLESS I HAVE SUPPORTING DOCUMENETS WHICH CONFUSING ME AND THIS IS WHY IM ASKING EXPERIAN FOR THE SIGN CONTRACT! BUT SEEMS TO ME AS EXPERIAN IS NOT DISPUTING THESE ACCOUNT THAT I HAVE ASKED THEM TO WITH THE CONFUSING RUN AROUND THAT THEY ARE GIVING I NEED THE CREDIT APPLICATION WITH MY SIGNTURE ATTACHED TO PROVE THAT THESE ACCOUNTS HAVE BEEN VERIFIED AND DISPUTED ACCORDINGLY. THIS WILL BE MY FINAL TIME ASKING FOR THE ORIGINAL SIGNED CREDIT APPLICATION BEFORE TAKING LEGAL ACTION I HAVE ALREADY FILE SUIT IN COURT ON EQUIFAX AND I WILL NOT HESITATE TO FILE LAWSUIT ON YOUR COMPANY THIS IS NOT A THREAT ITS THE TRUTH I HAVE ASKED YOU TOO ME TIMES FOR THE INFORMATION LISTED ABOVED BUT YOU WILL NOT REPOND OR DELETE THE INFO THAT I HAVE ASKED for WHICH IS A VIOLATIONS OF THE FCRA. 
Experian I do have supporting documents for the disputed accounts see attached File this is my final and very last time asking for this information or you will see me in court and I will sue you for {$1000.00} per each disputed accounts and credit inquires if you do not send me the sign documents with in the Next 30 days or have these unverified accounts deleted!

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 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.

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 2019-02-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report showed me a hard inquiry made on XX/XX/2019 in XXXX, FL that drop my credit scores and I never been in XXXX or the following company. 

The information I have from the company is this : - SYNCB XXXX, FL XXXX. 
XXXX XXXX XXXX/ XXXX XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who made this credit request to the mentioned above. 

Hope this can be solved as soon as posible because Ive been working really hard to fix my credit. 
Thanks.

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 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: OH

Complaint narrative:
Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. 

- His original cell phone number was XXXX. 
- The offer was for 4 tickets, {$90.00} each. Total of {$360.00}.

- The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. 
- I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. 
- The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. 
- I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. 
- I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. 
- I called back Tuesday morning, and PNC told me there was nothing they could do.

Company response to consumer: Closed with explanation