vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop

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 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: UNITED STUDENT LOAN SOLUTIONS
State: PA

Complaint narrative:
A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Since i have purchased this car i have been trying to get issues fixed. I can not get money back for the warranty that i asked to cancel over a year ago. They charged me a pickup payment that was paid that same day in the dealership. i want that back as well. They are charging me insurance when i have my own. They will not refund the money i had to pay them to get my car turned on for this so called insurance. They are not accepted to get my tag as well and i had to pay {$160.00} to get my car re-register. They are still demanding that i pay for insurance even though they have validated my insurance weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
This company is reporting as negative on my credit report when in fact this us a paid account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SB Holdings, Inc.
State: CA

Complaint narrative:
I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Oakridge Direct Solutions Inc.
State: IL

Complaint narrative:
My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full 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 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I was bailed out of jail by my father and i made arrangements to pay my debt payments but missed payments and is filing bankruptcy and in return they put it on my fathers credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HomeTown Lending Partners, LLC
State: IL

Complaint narrative:
I applied to refinance my mortgage on  XXXX   XXXX . I locked a rate with Guaranteed Rate.  XXXX   XXXX  from  Hometown Lending Partners  was one of the last to respond that day. I told   XXXX  I  was set with who I was going with, because I assumed he could n't beat what I had, since everyone came in around the same rate.    XXXX  sent me a rate that was lower. I told  XXXX  that I definitely would like to go with him then.  XXXX  and I had been in contact over the next few weeks.   I had locked with Guaranteed Rate, so before I gave up that lock, I wanted  XXXX  to provide the loan estimate. He sent me an estimate under terms that I would 've agreed to. I told Guaranteed Rate that I was going with  XXXX , so they said they 'd release the lock. I was in constant contact with  XXXX  and sending him my financial documents.  XXXX  never said he needed everything to lock the rate. Guaranteed Rate did n't require all my documents to lock. As I got the last of my documents in,  XXXX  sends me the papers to sign. He does n't bother to call or email to mention that if I sign them, I 'll need {$12000.00} as a down payment. The original terms had a very small down payment less than {$500.00}.   I asked  XXXX  why he did n't lock my rate and he acted like he did n't know that was an option. I asked  XXXX  for his  manager  's info. I spoke with his manager  XXXX   XXXX  and he basically said they need something from me to lock, and he acted like locking a rate was rarely done, and said that rates went up, so there 's nothing they can do.   They sent a fake estimate, lied and acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
Out of sheer desperation I applied for a {$500.00} loan XXXX/17. 
I had no knowledge that with each payment only {$10.00} would be applied to the actual loan. As of today I have paid {$690.00}. I called this company @ XXXX and requested they stop coming out of my checking account. I asked this because it is impossible to pay them off without detrimental to my finances. I was hun up on.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Short sale approval received from XXXX, loan servicing moved to Specialized Loan Servicing for the XXXX loan number XXXX and the XXXX loan number XXXX. SLS called me XX/XX/2017 to reduced the documentation required for short sale on the XXXX loan because of the homeowner 's chapter XXXX bankruptcy filing. However, SLS has recently cancelled short sale approval on the XXXX 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 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oakridge Direct Solutions Inc.
State: TN

Complaint narrative:
Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LIMESTONE TITLE AND ESCROW, LLC
State: TN

Complaint narrative:
I was told that there was a septic tank after I movied in I found water on the ground and it had sewer smell to it so we got to looking and following it and there it was a cv pipe in ground that some one had run over so we look to see were it went to cross my yard over in the field of the neighbor s down to the tree s on her land on the ground there was not any septic I had called the guy we got the house from he said dont turn it in to the county open a can of wormes to my friend this on the phone .I called the county guy he came out said he could write me up and fine me lot of money and get my neighbor to for letting this go on her land .so I called the mortgagee were we signed said I wanted to talk to there lawyer she would not call me back I got a hold of the guy that did inspection he got mad at me said he did his job I said no you did nt no septic no foundation the Door s want close on the bedrooms he built on .there cracks in the celling floors are bad I tryed all last year get help couldn t not get any were .laywers want talk to you with out want ed money to talk to you .one laywer I talk to said I been fraud but he be retied time it went threw .but he went over the paper work said I got lied to this is why I bet he did nt want me to get home inspection said there no sent he just had one done .this last year been  XXXX  for me when I dont get much money every month to fix this right .can t sell this home way it is.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Eagle Creek Mortgage, LLC
State: VA

Complaint narrative:
XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up for   XXXX   XXXX   XXXX   XXXX   a few months ago because they waived the {$990.00} annual fee because I 'm currently on  XXXX   XXXX  in the  XXXX   XXXX . On    XXXX   XXXX   XXXX  ,  they sent me the attached letter which states that they will no longer waive the annual fee and that my annual fee is scheduled to be assessed on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I was charged the {$990.00} annual fee. The phone number they provided on the letter was to a voicemail which they said calls would be returned in 2 days. I called their regular customer support number and was able to talk to a representative. She stated that they will review the situation and contact me in the next few weeks.

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 2017-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
I got a loan last year and I have refinanc ed over 3-4 times  to build my credit instead when I paid on time it knocked my points down my vehicle broke down and I lost my job I explained to them I can male pay ments when I get my disability check they have   called me 5-6 time s a day including after hours from their cell phones they harassed me so much I had to deactivate my cell phone this went on even after I made a payment now they are harassing my references. They we 're completely rude on their voicemails also

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
Navient would not offer me any re-payment options that I can afford. As a result, I must work XXXX jobs, whilst trying to finish my XXXX, just so Navient are paid each month. i have called them several times to explain the extreme financial hardship they are putting me under but they have absolutely no concern for this whatsoever and do not offer me any alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.

Complaint narrative:
In repaying my student loan based on an income-based repayment plan, I received information from Navient about the renewal processes only through an email with an obscure subject line and with no information providing the date by which I should request renewal and what the consequences were of a late renewal request. As a result, the benefit lapsed, and resulted in the capitalization of USD XXXX in interest added to the principle of the loan, increasing the amount I will ultimately have to repay.

Company response to consumer: Closed with explanation