vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
During the year of XXXX XXXX XXXX  collected taxes and escrow with each payment they collected from me. In XXXX XXXX didn't pay my county taxes. As a result, in XXXX my taxes went unpaid. In XXXX of XXXX, XXXX XXXX   transferred my loan to be serviced by SLS in Colorado. SLS did not pay the XXXX taxes. SLS serviced and paid my taxes for every year after XXXX without issue but they never paid the XXXX. Fast forward to XXXX ... I get a bill from my HELOC lender ( XXXX XXXX ) and they told me I had an unpaid tax lien from XXXX. They ended up paying the {$540.00} that was owed, but also had to pay the law office that was attempting to foreclose on the property of over {$4000.00} in legal fees. My HELOC company charged me {$4700.00} to save the property from foreclosure. XXXX collected the money in XXXX but never paid XXXX County. SLS never collected the money from XXXX hence my property went into foreclosure. I was forced to sell my home in XXXX Arizona to come up with the money to pay my HELOC provider. Otherwise they were going to foreclose on me. All I want is my {$4700.00} back that I had to pay because my loan servicers lied and said they paid a bill but they did not. I attempted to collect these fees directly from SLS and XXXX but they both ignored my request.

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 2020-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had my student loans with Citibank prior to XXXX when I started my XXXX  job until XXXX when I switched to a different loan company. Between XXXX and XXXX I had several conversations with Citibank representatives confirming my status in the PSLF program. Each time Citibank representatives reassured me that my loans were eligible for the PSLF program and there was nothing needed further on my part. It wasn't until XXXX when I learned that my loans weren't in fact eligible for the PSLF program because of the type of loans they were. I have lost out on several years of eligibility toward loan forgiveness due to the incorrect information provided by Citibank Staff.

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 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX I had a hospital visit at XXXX XXXX Hospital . The hospital did not submit and verify that I had 100 % coverage of medical insurance. Common Wealth Financial has just reported a {$1800.00} debt on my credit report. I never received one single bill regarding this for years! I would of gladly of spoke to their insurance agents and ensured they billed my insurance. I have call XXXX XXXX and they admit to their error, yet the claim is so old to discharge she stated. The claim was on XX/XX/2015. I even called my last employer and spoke to the HR to verify my insurance was ACTIVE. How am I penalized because of their billing department error? I paid a lot of money to be insured and do not deserve this debt that is clearly their fault. I never received 1 single bill or 1 single phone call from the company regarding this bill for 4 years. Only until it reached collection recently was I notified. This is completely wrong. I am a young adult with outstanding student loan debt. I am a XXXX XXXX XXXX XXXX and do not have an income to pay a debt that should have never been issued to me. Please help regarding this. My employer was XXXX  XXXX XXXX XXXX at this time. I had Medical Insurance and the biller failed to bill my insurance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX AND EXPERIAN. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT EXPERIAN AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX  AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED LEXIS NEXIS ON MY CREDIT THAT XXXX  AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/XXXX I called Navient questioning my balance. At this encounter I was told that I had been in bankruptcy for 10 years ( XX/XX/XXXX-XX/XX/XXXX ) and had additional interest of {$10.00}, XXXX added to my account which per the Navient representative my total owed was {$26.00}, XXXX. I was only in bankruptcy from XX/XX/XXXX-XX/XX/XXXX and provided the documentation to prove this. After investigation by Navient I was told that I was in bankruptcy for 10 years and the additional interest would remain. I continued to make my regular monthly payments. When I received my monthly payment reminder for the XX/XX/XXXX payment it stated my payment was {$380.00} so I went onto my online account to investigate. Here it showed my payment was {$190.00}. Even more shocking to me was that my account balance was now {$27.00}, XXXX. Which is more than it was in XXXX of XXXX. I did reach out to Navient XX/XX/XXXX to address these concerns. At this point I was told that when the account transferred from XXXX XXXX XXXX XXXX XXXX to Navient ( Sallie Mae at time of transfer ) in XXXX following bankruptcy that the capitalized interest was changed to accrued interest which is where the {$10.00}, XXXX interest came from. I would like this investigated further as this is not what Navient stated back in XXXX of XXXX. Furthermore, Navient 's investigation into the questionable bankruptcy supported that I was in bankruptcy for 10 years even though I provided all of the legal documentation that disproved this. With that the additional {$10.00}, XXXX interest was left on my account. Navient also did not address the fact that my balance with additional balance was {$26.00}, XXXX in XXXX of XXXX and now my balance is {$27.00}, XXXX. I am questioning fraudulent activities on my account by Navient and want it addressed so that my total owed is accurate based on the total owed I was given in XXXX of XXXX when speaking to the Navient representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
I spoke with the collection company in XX/XX/XXXX on a 3-way call with XXXX. I explained that while the collection was obtained in XXXX that the charges are cumulative since at least XXXX, maybe older. I advise of bankruptcy in XXXX. I advised I need verification of service dates to determine if all or part of the debt is collectable. I was told in XXXX to allow one week for the collection company to obtain the information from the original creditor. Its now XX/XX/XXXX, and today the collector indicated they dont have information about service dates. One payment to the collectors was made via XXXX ; but I will cease payments until the information promised in XX/XX/XXXX is verified and provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
One of my accounts is showing closed, when it should be showing as still open. I have been faithfully paying on it for the past couple of years ( which shows on the credit report ), but the account is erroneously showing a closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
A purchase in the amount of {$340.00} was made at XXXX online. The item was returned within the return period but no credit was issued to card. I contacted the card company and followed ALL of their protocols to resolve this issue but to date have not received the credit. I have contacted customer service fraud division multiple times, speaking to different representatives but to date still no credit. Unfortunately all of our correspondence with the card company, excluding the initial claim filing done by mail, has been by phone. 



XX/XX/19 XXXX  # XXXX XXXX , Tennessee POS Purchase ( Domestic ) XXXX XXXX  - {$340.00} Details Posted Date XX/XX/19 Reference XXXX XXXX  # XXXX XXXX TN US Terminal 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 non-monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sallie Mae sold account to Navient. Since Navient my student loans have increased and the interest accruing can not double my loans. I attended XXXX XXXX XXXX  XXXX in XXXX and graduated in XXXX. In XXXX tuition was {$15000.00} per my carbon copy of our agreement. Sallie Mae disbursed {$15000.00} to the school of 2 subsidized and 2 unsubsidized loans. And I received a {$3500.00} pell grant. I also took out a private loan on my behalf at XXXX XXXX for $ XXXX and gave XXXX out of pocket {$2900.00}. Those figures equal {$21000.00} and tuition did not cost that much. Presently, Navient has my 4 loans at {$22000.00}. It has increased XXXX. The first 2 years I paid {$190.00} a month for close to 2 years. That is over $ 3K paid. The XXXX I paid doesn't even reflect on the account. I have had to put my loans in deferment, unemployment deferment and forbearance since XXXX. I feel Navient is not being honest. Student loan interest rates are from 5 % -6.8 %. My XXXX loan is now {$9400.00}, {$3500.00} is now {$4600.00}, {$2700.00} is now {$3400.00}, and {$3000.00} is {$4500.00}. During deferment or forbearance I thought interest is paid by the government. The initial tuition and disbursements are incorrect. The financial aid representative at XXXX at this time made consecutive errors with student loans. I am a XXXX XXXX XXXX XXXX and unable to go back to school as this debt is increasing. I have a baby and am XXXX. I am XXXX and working as a XXXX in the hospital setting. The XXXX role was demoted and pay rates declined. A XXXX was only make what a XXXX XXXX XXXX was and could only perform those job duties. As you now need a XXXX XXXX degree to perform XXXX duties in the hospital setting now. My income for last year was {$5100.00}. I am still making payments on my XXXX XXXX private loan that was XXXX and now is {$5600.00}. I make monthly payments of {$97.00} a month and paid {$86.00} a month since XXXX, deferring for a few months for unemployment and national disaster in the past. I would like Navient investigated regarding this matter. I would really like to attend school and to become a XXXX so my income can increase. I am unable to go back to school because of this burden. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
This should be linked to case # XXXX As this remains an unresolved issue between myself, Rushmore Loan Management, and XXXX XXXX  XXXX please see attached response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I received an email about a rewards program that XXXX ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called XXXX that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from XXXX stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called XXXX to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with XXXX. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with XXXX. 
Another issue is when XXXX closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX XXXX also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account XXXX is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX XXXX updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through Trans-union on my new account. 
Then on XX/XX/XXXX XXXX came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.

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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
As a XXXX year old I didnt know what I was doing this girl, said if she have my account for my bank shell send me the money and I believed, but she was doing all the loans in my account and now I owe the bank a lot and I dont know how im going to pay them unless she return it back she blocked me from XXXX and her number but I do have her nunber. She was telling me to send money to her XXXX XXXX but when I look at my bank there was no money, but somehow the money went through, so I thought I was trippin

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
We purchased a XXXX XXXX XXXX and increased our payments to get the vehicle paid off within XX/XX/2020. 

They claim they never got the extra payments or they were not applied correctly. 

They have done this, as well as selling lemons as well. Check your Attorney Generals office. Theyve lost quite a few cases.

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 2020-02-12 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: Midwest Recovery Systems
State: OH

Complaint narrative:
On XX/XX/2020 I received a credit monitoring alert that an account had been placed on my consumer reports from a company I have never heard of or did business with. The company has no address reported on my report, no date when I supposedly opened this account, there is no creditor listed except the collection agency as well as no phone number listed for the company. This is hurting my consumer credit score and I have the right for them to prove this debt is mine before placing it on my consumer report. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I applied and was approved for HSBC Premier World Elite MasterCard credit card. One of the advertised benefits of this card is a membership to a lounge service called XXXX. Each time I try to register for XXXX membership, they tell me the card is not valid for membership and tell me to contact HSBC, the bank. The bank tells me there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: GA

Complaint narrative:
I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.

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