vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My mortgage refinance was turned down due to insufficient documentation. I was told by three different loan officers that the underwriters continue to need more information on my retirement accounts that were in no way connected to my mortgage refinance. I was told the only reason for wanting my annuity information was so that it showed I had at least two months of reserve funding for mortgage payments in case I ran into financial difficulties, but that my annuity is not collateral and not connected to my mortgage refinance. I sent them a current annuity statement and withdrawal statement. This was still not enough as the underwriters wanted an even more detailed withdrawal accounting and even asking to speak with my broker.

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I cancelled an automatic payment with this company only to receive notification after XXXX when my bank closed they were reinstating the automatic draft without my authorization.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I financed {$28000.00} through Navient ( previously XXXX XXXX ) with disbursement date of XXXX/XXXX/XXXX. Interest rate at 10.250 % I 've been contacting the company inquiring why my balance is still the same as it was when I began payments in XXXX. I 've gotten nowhere with them with regard to detailed explanation. 
As of XXXX/XXXX/XXXX, my balance was still {$28000.00} which makes no sense to me. 
On XXXX/XXXX/XXXX, I refinanced the loan through navient to get a lower interest rate of 6.350 %. 
My payments through navient on this private loan do not seem to have been allocated properly. Please help as I do n't know what else to do. I 've been paying for 8 years on this loan and I do n't understand why the balance remains the same.

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 — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My Consolidated student loans of {$40000.00} were transferred to XXXX XXXX/Navient in XXXX. The interest charges added ballooned my loan up to {$65000.00}. I could never get resolution from Navient about why {$25000.00} in charges were added to my account. I 've requested several repayment option over the last 3 years and I 've never received a satisfactory loan agreement. I need assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.

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: TX

Complaint narrative:
i received a loan from the XXXX XXXX XXXX XXXX that was not giving to me. 
i never used any of the money personaly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
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: NC

Complaint narrative:
My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Experian and XXXX XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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: 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 fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX 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 2017-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My household income changed and I was behind on my mortgage. I tried for over a year to complete the modification process. Each time they had me start over and submit new documents. Eventually, while I was actively within the underwriting part of the modification process, Chase sold my loan. I was forced to file a chapter XXXX to save my residence. I then applied for a modification through the new servicer and it was approved. I received a letter and a check from Chase this week stating that they made a mistake in giving me time to complete the process and gave me {$100.00} for the inconvenience. Based on the trauma and their practices, now this check, I think there is a bigger issue here.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX, I sent a letter to Equifax asking them to investigate mistakes on my credit report. Its been almost two months since I sent in my letter. I 've even sent follow-up letters to them, and they still have n't responded.

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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have had problems with these loans from the start. They started off as XXXX XXXX loans that were as much as a Mortgage costing me over XXXX A month. I tried to get them lowered then and all they said was there was nothing they could do and I had to pay it. When XXXX XXXX got in trouble my loans were switched over to Navient. Although they are less they are still over XXXX a month. I was mislead when I initially got the loans on how much the full payments would be when I XXXX or I would have never gotten them. I still have other private loans and federal loans that I pay on top of this. Those lenders have been cooperative. I am in XXXX XXXX XXXX XXXX ( I am paying the XXXX out of pocket at this point ) trying to get my XXXX XXXX so I can get a career but these bills make it difficult. I was working XXXX jobs and XXXX XXXX XXXX XXXX XXXX recently. I called my lenders to get some help because I ca n't pay them off with just my XXXX XXXX XXXX and Navient is the only one that refused to help. XXXX there was nothing they could do. They did reduce the XXXX loan that is In my mother 's name a little but XXXX of the conditions was that it had to come out electronically and I do n't have the money in my account. Now my bank account will be affected. I have paid what i can but got so far behind they are now showing a XXXX balance due which I guess means they are in forbearance or deferment or something. They keep calling my mother 's phone. She does n't answer because she knows all they will do is say I have n't been paying and ask her for money and she does n't have it either. All I wanted was some help until I found another XXXX XXXX and possibly until I XXXX to make it easier to save money for XXXX. I had great credit but now it is really being affected by this

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 — Sued you without properly notifying you of lawsuit
Company: LPSG
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation