vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX XXXX they denial my claim for hurricane issues.

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 2018-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I have requested a mortgage modification with my mortgage company XXXX XXXX. 
My hardship is my son was shot though and criminal act in the city of XXXX Tennessee XX/XX/XXXX and he still is under doctor care. My adult son does not have insurance and I'm responsible for his recovery. 
I provided PenneyMac the {$58000.00} hospital bill stating the bill was self pay and it reflects my son was XXXX. The mortgage company is refusing to accept this documentation because my adult son 's address if different from mine. My son name is XXXX XXXX XXXX and he is currently living with me until he is able to take care of himself. My relationship manager is XXXX XXXX has refused to return my call or speak with me regarding the status of my modification request when I call, as of XX/XX/XXXX. I was informed by customer service she has closed my file. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There are 6 accounts on my Equifax credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX Acct # XXXX, 2. XXXX Acct # XXXX, 3. XXXX XXXX Account # XXXX, Both accounts 2 and 3 have same acct # s different amounts listed, different company names. 4.XXXX  XXXX Acct # XXXX, 5. Acct # XXXX, 6.Acct # XXXX, These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: PA

Complaint narrative:
On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. 
Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. 
After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. 
I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. 
She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. 
She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I am writing again in hopes you can keep a hard-working single mother and her son in their home. I have been battling to keep afloat and a house above our heads for some very stressful, heartbreaking months. I submitted a claim to you before and yet again, Ditech is not doing what they should. 
I am a XXXX, and like I said already, single mother in a situation I am trying desperately to work out of. We got behind on our mortgage, due in large part to a predatory loan and fees that were added but never really explained to me. I was switched between one agent and another, and thought I was finally getting ahead because my file for a modification was in review. 
But when I called most recently to check in with Ditech, I found out my house is still in foreclosure! I am very clear on the fact that they can not have me in active foreclosure and in active review, which is in violation of the dual-tracking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My XXXX home mortgage was sold to a company called Bayview Loan Servicing , LLC in XXXX of XXXX. I was up to date with my mortgage payments and I was advised by Bayview on XX/XX/XXXX that my mortgage was in default because I was paying the incorrect amounts. They stated my mortgage payments were supposed to be {$3700.00}.. My mortgage amounts have always been {$3400.00}. I began paying the new amount of {$3700.00} as directed and now I have been advised that my mortgage in default and that my house would be put into foreclosure. They are not applying payments correctly and it has been extremely difficult trying to get in touch with the representative who was assigned to me. It takes her a full 48 hours to return my call. If you look at my statements it shows unapplied payments. My mortgage is not in default as I have been making the mortgage payments in the new amount that they requested. The representative assigned to me at Bayview can not explain to me why I am in default and is now requesting {$15000.00} and stated if I do not pay this amount my house will be put into foreclosure. I went back to my original mortgage holder, XXXX Bank and they advised me to negotiate with Bayview because there was no mistake on my part in the amount that I was paying the correct amount on the statements that I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: MO

Complaint narrative:
There are 4 accounts on my Transunion credit reports that do not belong to me. I have disputed these accounts, Was sent notices that the accounts have been verified. They CAN NOT verify accounts as mine that do not belong to me. And they are still listed on my credit reports even though they do not belong to me. 1. XXXX Account # XXXX, 2. XXXX XXXX Account # XXXX, Both accounts 1 and 2 have same acct # s different amounts listed and different company names. 3.XXXX XXXX Acct # XXXX, 4.XXXX XXXX  XXXX Acct # XXXX These accounts do not belong to me so I want them removed from my credit reports IMMEDIATELY.

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 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am writing hoping you can keep a retired man in his home. I have been working with Chase Mortgage to attain a reasonable payment option and get caught up on my mortgage. Yet as my fees continue to stack up, I am being forced to submit the same form over and over. It has been sent to them over a dozen times, and though there are only four lines on the form, it is never acceptable! I have been in this loop of sending over this request for tax returns ( even though they already have copies of my tax returns ) since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: SC

Complaint narrative:
This debt was reported as unpaid on my credit report and was already paid to the original debtor. Called to have it removed and or updated and the person I talked with became very rude. This was reported after the account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for the free experian credit score report deal and have been unable to cancel the account online or via email. Now I've been over 3 hours holding on the phone twice today and nobody answers their phone - this seems to be a very popular scam and I hope that the CFPB can shut them down or at least fine them so much they stop doing business like this. I think any other business would be sued in court>? 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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the attached letter to Equifax and have not received a response which is a violation of the FCRA. The three listed medical accounts are inaccurately reporting as loans and are pass the FCRA reporting time limit. They placed a notation on the accounts on XX/XX/XXXX stating it was a " collection account '' and updated the notations to simply state " medical '' on XX/XX/XXXX. Their refusal to remove the 3 accounts is a direct violation of my rights under FCRA. These need to immediately be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a balance transfer as an authorized user from my wife XXXX XXXX XXXX ( XXXX XXXX ) to my XXXX XXXX XXXX ( XXXX XXXX ) for XXXX dollars. 
The money was posted on my XXXX XXXX account and since I had only a balance of {$33.00} only I asked XXXX XXXX to mail me a check for the difference They told me we can not and the {$19000.00} that I have as a credit in my account has to be sent back to the exact sender which is XXXX  XXXX  ( affiliated with XXXX XXXX ). This amount of money was not posted in my wife XXXX credit card account., I called XXXX  XXXX and, they said we did not receive anything. 
I contacted XXXX XXXX ( XXXX XXXX ) they told me that a check for the amount of {$19000.00} was received and cashed by XXXX XXXX ( which originally sent them the {$20000.00}. check ) and they sent me a copy of the cashed check that they received on XX/XX/2017 ..I filled a couple of disputes for {$19000.00} that XXXX XXXX received though their XXXX system. and they rejected both of them. I spoke to a higher management at this bank her name is XXXX XXXX, she told me that they got the money and they are working on it to put it in the account and promised me she will call me when it is fixed. I tried to contact her and I am getting an answer ( she is not available ) all the time .I am not getting anywhere with this bank I have the proof that they cashed this check from XXXX XXXX on XX/XX/XXXX.I want this problem to be fixed as soon as possible it is almost 4 months now since they received and cashed the check. I never experienced and expected something like this happens in the USA. There is something wrong going on in this bank and has to be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.

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 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This complaint is about XXXX ( parent company : Coinbase ). 
On Sunday XX/XX/XXXX, I made a deposit via Coinbase to my XXXX account. Deposit reference : XXXX. The deposit was successfully completed on XX/XX/XXXX at XXXX XXXX. My XXXX/Coinbase account details are : Email : XXXX Name : XXXX XXXX XXXX : XXXX Everything was working fine until XX/XX/XXXX when I tried to login to my XXXX account, I was presented with this message : " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX '' I couldn't login to my XXXX account. By that time I had exactly {$1500.00} stored in my XXXX  funds/account. So I emailed XXXX support on XX/XX/XXXX at XXXX PST. I received generic response from the company saying my problem will be looked at. I waited for a week or so and called XXXX via phone on XX/XX/XXXX, I was told that my ticket will be escalated so it can be resolved. After waiting for a week or so, I called again because nothing was happening to my case. Now, today, it is XX/XX/XXXX, it's been more than a month now since I have been waiting to get my funds ( {$1500.00} ) back from XXXX and I haven't received my money, and I still can not login to my XXXX account. Whenever I call the company, they give me a generic response with no timeframe. I would like my funds back as I really need them. I hope after this complaint, my issue will be resolved. Thank you.

Company response to consumer: Closed with explanation