vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LoanHero, Inc
State: TN

Complaint narrative:
Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Main Street Personal Finance
State: LA

Complaint narrative:
I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
In XXXX of 2015, Trident Asset Management began reporting an inaccurate collection account of {$290.00}, regarding an account they said they " purchased '' from XXXX. I have never had service with XXXX. Several years ago, I did contact XXXX about getting cable service at my former residence in XXXX XXXX, XXXX XXXX XXXX out and said service was n't available in my area. Later, I got a bill from XXXX for equipment that was " not returned, '' which is absurd since I received no equipment from them as they could not provide service to the area I lived in at the time. I attempted to fix this with XXXX at least five times through their customer service department. I also disputed the information XXXX reported to the various credit bureaus. XXXX did delete its information when I disputed it. But, lo and behold, it shows up on my credit, again, under Trident Asset Management. When Trident reported it, they appear to have " re-aged '' it as the date of original  delinquency is more than six months more recent that what XXXX had reported. We all know means it will remain on my credit for longer as a result of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I 'm getting bills for a card that I have never used. I have an Amazon credit card # XXXX that I promptly pay the bills as soon as they are mailed to me. Chase Bank keeps sending threatening letters demanding payment and adding penalties from a credit card named Amazon Prime # XXXX. I have never used that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I initiated a dispute about a charge I made that needed to be reversed on XX/XX/XXXX. Since then I have completed the Chase dispute form and together sent with the form all the requested documentation, including names and numbers at the merchant. This hard copy information was sent over night and signed for on XX/XX/XXXX. As early as XX/XX/XXXX emailed the concern and attached all required documentation via a secure email at Chase. As of XX/XX/XXXX I have spoken to 13 Chase agents, including 2 at the Executive Office of the President. I have nine emails sent via the Chase secure email system and screen shots acknowledging each and every one of the emails. The response each day is " We will respond to your message in 24 hours. '' I have not received promised responses. I have been told I can not talk to a manager about my dispute. The disputed charge is significant {$2400.00}, and occurred on XX/XX/XXXX. On XX/XX/XXXX, the moment I realized the charge was an overpayment I reached out, yet I sit here today, with no resolution and no confirmation of how this is going to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When using Bank of America 's online banking tool both mobile and online the information being posted is misleading. I have always used what was on their main screen to determine my balance. It was not until XXXX of 2017 while trying to settle another complaint was it brought to my attention that they actual correct amount in your account is on a 2nd page, not the main page that they bring you to on both the mobile and web applications. This being the case, whenever I thought I had a positive balance and used the funds there would end up being an overdraft due to the correct information, or actual information, being on the 2nd page. These two pieces of information are the available balance history and the statement balance history. On the main screen you see the statement balance history which is what I used to determine what was available but I was told what I should be using is the available balance history. Why would you put the available balance history, if that is what consumers are to use, hidden and not the first page available when they log in vs. having the statement balance history be what shows up first? This is extremely confusing and having been a customer of BOA for several years I am very upset that it has taken the 10 years for me to even hear about the difference between the two. I believe this is how the bank is able to charge those of us who are not aware and it is false advertisement.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
A company XXXX : by Goldman Sachs, placed an unsolicited request for my credit history from XXXX Credit Reporting agency. NO.. authorization or request for credit was ever submitted by me for a personal loan. I had received an unsolicited email marketing advertisement from : '' XXXX XXXX XXXX XXXX '' and was just scrolling through the listing of companies offering loans and what their Interest and terms were. NOTHING MORE ... .just a review of their listing. Goldman Sachs placed a " Soft Inquiry " to XXXX to get my credit history. I never sought/ requested or gave authorization to any one to review my credit history. I feel Goldman Sachs was using the marketing Ploy by " XXXX XXXX XXXX '' as unlawful/ fraudulent effort to get Names and Credit History. Goldman Sachs would not withdraw or inform XXXX Co that their request for my credit history was an attempt at invading my personal privacy ' It is Just another form of " Identity Theft ''. Please look into this matter. If it happened to me, ... it probably happened to anyone who might have reviewed that XXXX XXXX Advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XXXX 2017 I received a notice dated XXXX XXXX, 2017, from XXXX XXXX XXXX XXXX that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a PayPal, Inc. account # XXXX. Per the instructions in the collection letter, I notified XXXX in a letter sent by certified mail on XXXX XXXX, 2017,  that I disputed the claim, that the PayPal account number was not mine and that I had no outstanding obligations to PayPal. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. XXXX never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XXXX XXXX, 2017, I received second debt collection letter dated XXXX XXXX, 2017, from XXXX XXXX for this PayPal bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to XXXX and disputed the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: SC

Complaint narrative:
hello this school a stealing from me and other student they are making students return their stipends back to the school and adding extra charges on out accoint if we dont and also not releasing our transcript if we dont return our refunds to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked and provided enough information to transunion to delete personal wrong information from my 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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: TN

Complaint narrative:
I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

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 2017-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Again XXXX XXXX my complaints are similar for the past years because OCWEN refuses to STEP down and do their part to address the situation. HENCE THE CURRENT LAW SUIT AGAINST OCWEN. Your company continues to enjoy skirting around my issues and responds with the same garbage change changing the date of the letters. Also XXXX XXXX the property and mortgage which I inherited at the time of my Mother 's passing was passed over to me. If you can read the items in the lawsuit, one of them is concerning assisting these homeowners, WHICH OCWEN HAS NOT. THE PURPOSE OF A LOAN MODIFICATION IS TO GET THE HOME CAUGHT UP. You provided me a loan modifications last XX/XX/XXXX which was NOT SIGNED because OCWEN PROCESSES MODIFICATION BASED ON ONLY IMCOME NOT INCOME AND EXPENSES. THIS IS AGAINST THE LAW. Again XXXX XXXX this is going to continue back and forth and I do n't see a resolution in sight because OCWEN just collects money and does not care about the welfare of the home owner. YOU ASKED ME TO REVIEW THE WEBSITE ABOUT THE CURRENT STATUS OF THE LAWSUIT. ALL I SEE IS GARBABGE ABOUT HOW OCWEN CARES ABOUT THEIR HOME OWNERS AND YOU HAVE HELPD LIKE XXXX. THAT 'S SOME PR XXXX IF YOU ASK ME. IF OCWEN CARED ABOUT IT 'S HOME OWNERS AND RESOLVING ISSUE THEIR WOULD N'T BE A LAWSUIT AGAINST YOU FROM THE CFPB. WOULD THERE BE?? THIS COMPLAINT IS ALSO GOING TO YOUR MEDIA RELATIONS DEPARTMENT. SICK SICK SICK OF OCWEN XXXX XXXX. OCWEN NEEDS TO BE SHUT DOWN WITH THE CURRENT LAWSUIT. THAT IS THE ONLY RESOLUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KEYCORP
State: TX

Complaint narrative:
I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a payment in XX/XX/XXXX for the XX/XX/XXXX cycle. It reflected a double payment in that month and the credit company reported 30 days late to my credit report. Customer service manager ( XXXX XXXX # XXXX ) was rude and unhelpful in clearly explaining why it was reported that way. No one from the company contacted me or my wife to alert us to a potential problem. It appears that they were more interested in collecting fees than advocating for their customer. When I called back to report document a complaint I was put on hold for 30 minutes and was then told that their " system '' was down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief