vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, For several years, I 've paid $  XXXX  to Experian for their credit monitoring service. If you look at the attached document, printed directly from Experian 's website, they say my score is  XXXX . You can see the url on that document.     I am also a member of  XXXX  and signed up today for Experian 's free credit monitoring service that they offer to  XXXX  members. The reason I signed up for it is because the  XXXX  website was showing my Experian  credit score  at  XXXX . ( I have also attached the document that shows that score, directly from Experian 's 'USAA only ' site, with url ).     A  XXXX  point differen ce is HUGE!!! I  want to know whether my Experian credit score is  XXXX  or  XXXX . Furthermore I want all of the money back that I 've paid to Experian for their credit monitoring service throughout the years since it is innaccurate.     If I do n't get my money back, I 'll request copies of the credit reports that  XXXX  pulled yesterday and that  XXXX  pulled  XXXX . Since I was rejected for both of those credit cards, I am certain that my Experian score will not show as  XXXX  which is what the Experian  Credit Monitoring Service t hat I 'm paying $  XXXX  for says it is.     It seems like I 'm paying for eith er 1 ) inaccurate information, or 2 ) a type of credit scoring model that no one is actually using to determine my credit   worthiness.     Please give me my money back.     Thank you.

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
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have a number of loans serviced b y PHEAA. I also h ave a number of consolidated loans serviced by  XXXX   XXXX . I am currently paying, on-time, income-based repayments to the consolidated loans serviced by  XXXX   XXXX . I have been unable to get PHEAA to create an income-based repayment plan for the loans serviced by them, and so I have spent the past 6 months wasting deferment, which should be used only in cases of emergency, and not for staving off the ill-effects of PHEAA incompetence.     6 months ago, I submitte d IBR  requests via   XXXX   The request sent to  XXXX   XXXX  was processed immediately, and I began making on-time payments. Because this was my first time making loan payments, I assumed that I had everything squared away. 2 months later, however,  PHEAA  informs me that I am behind on payments.     As it turns out ( and according to a CSR fro m PHEAA with  whom I discussed this matter ), at the time that I submitt ed my IBR requests, PHEAA was not accepting online IBR requests f rom  XXXX . PHEAA did not inform me of this, and so I was unaware, at the time, that the request had not been processed.     For the past 4 months, I have submitted complete forms and supporting materials  to PHEAA to attempt to create an IBR plan. Over these 4 months, PHEAA has had a number of failures : Thei r website would not pull from federal IRS forms, their online uploading system has been down, their auditors have failed to comprehend even the most clear documentation of income, In those 4 months, I have never had anywhere near the income to pay the required payment, absent an  IBR plan. This means I have had to use my precious little deferment while dealing with constant delays and failures on the part of PHEAA. Not only that, interest has been accruing on accounts that should have begun receiving payment, had PHEAA processed, in a timely or accurate manner, any of the numerous IBR plan requests I have sent them in that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: KS

Complaint narrative:
I contacted RGS regarding an item on my credit bureau. I advised them I did not believe the item was not mine. RGS never disputed the account and then tried to use deleting the tradeline as a ne gotiation tactic to get me to release any legal claims against them.     The attached documentation will clearly show that  RGS  is not disputing, disputed accounts resulting in unfair reporting to credit bureaus and additionally has created an un-fair collection practice for which the least sophisticated debtor would have to use " Magic words '' in order to have their account disputed. They are friverously disregarding FDCPA and FCRA in conjunction with their attorney  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I attempted to contact Navient to discuss my student loan at  XXXX . The person answering the phone presented himself to be a representative of my student loan account and proceeded to ask me to give him information to identify myself to him so that he could look up my account information. I answered his questions with my personal information, including my social security number, and then asked him to identify himself to me again. The line went silent for a few seconds and then he began to ask me further questions. I asked him again to identify himself and asked if he was in fact a Navient representative and the line went silent and then he hung up on me. I have been receiving multiple calls from numbers claiming to be  XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I co ntacted Discover Card to g et a debt loan consolidation. I was quoted 11.99 % and 10.99 % with direct deposit. I decided to shop the loan around for a few days and called back to accept. When I called back, I was again offered the same rates, but I inquired about getting something even lower than 10.99 %. After speaking to a supervisor she ensured me that 10.99 % was the lowest rate they could offer me. I decided to accept the offer and when I received the paperwork I noticed they kept the rate at 11.99 % and did not lower to 10.99 % as promised with direct deposit. I have all of this on a recorded line and they are refusing to honor their initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
I checked my job VM system and saw this number  XXXX  I thought it was my client so I listened to the message. It was someone who said his name was  XXXX   XXXX  from  Alliant /capital? managemen  XXXX  calling to get my side of the story on a debt I owed before legal actions were taken he said I needed to call  XXXX  him that day  XXXX / XXXX /  XXXX   by  XXXX  ... First off this is my job he called on a Monday which I do n't work Mondays so there was no way I could have called him back secondly I can be terminated for these types of calls and I have no idea what debt they are speaking of I have not signed any contract with  Alliant Capital Management..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I have had an ongoing issues wi th Stonegate Mort gage. In the fall of   XXXX   we fell on som e hard times and we ( me and my wife ) got behind on the mortgage payment. We were only one month behind but kept receiving bills stating that we were two and three months behind. Stonegate would n't accept a partial payment they wanted the entire three months payment even though we were only one month behind. Due to this circumstance, my mortgage went into to foreclosure. For five months I tr ied to get the correct balance to bring my mortgage current to no avail. So I withdrew  XXXX  from my mutual fund to bring my mortgage out of foreclosure. I called for  two months trying to get the correct balance to bring my account current. Stonegate sent me two  statements  one  for  XXXX  the other for  XXXX . I paid the higher balance because of  Stonegate 's history of shotty record keeping. After receiving a payment my next statement indicated that I only owed {$320.00} for that month 's mortgage payment because I overpaid when bringing my account out of foreclosure. Two w eeks later I receive another statement indicating that I am responsible for the full payment. I immediately called customer service to address this discrepancy but no one has given me an acceptable answer. I asked for the an itemized bill that shows how my payments were dispersed after bringing my account out of foreclosure. I still waiting 5 months later and in that time it has been shear  XXXX . Negative reporting when payments are made on time, discrepancies in payments remain an issue, and uneducated employees when ca n't answer a question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STEWARD FINANCIAL SERVICES LLC
State: PA

Complaint narrative:
I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My student loan servicer is  Navient . I have submitted all appropriate documentation for ym income based re-payment plan since my graduation in   XXXX   XXXX  . I have submitted twice and spoke with several different people since this time. I am receiving emails stating there are documents in my inbox on their website but can not find any documents. I have brought this issue up and the representative pushes the issue aside and never address it. As of today  X/XX/XX  I have not been approved, denied, or placed on any kind of repayment plan. I keep having to forbearance my loans or make partial payments. I feel that I am stuck and helpless in trying to pay back my student loans. I am trying to repay my loans but  Navient is  not helping or working with me to resolve. I feel whats in the best interest of the customer/student repaying is not a priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There were two balance transfer transactions on my account on  XXXX / XXXX /  XXXX   that I did not request. The amounts are {$4200.00}, and {$1000.00}. There balance transfer fee is {$150.00}.

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
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
I disputed the validity  of two debts this agency is reporting on my credit reports. They sent me a copy of one alledged bill and not the other. The issue I have is that this bill is stating two addresses of one that I did not live at so in fact it is not valid. That address is n't on my report and I do take my credit very serious and hate to be denied due to false information. It 's not reporting any payments, when the last payment was, or anything that is verifiable or valid. It does n't report any data but is sitting on my   reports. I have no outstanding bills from the address they claim this debt is from. All I asked is for this company to remove from my files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am seriously concerned about my accounts with Citi Bank. Since  XXXX    XXXX   I have been receiving numerous letters advising of my credit limit not being approved for a credit line increase. These letters referenced my Citi  Advantage  #  XXXX  and  Citi Preferred  #  XXXX  accounts.   I am even more concerned that this is likely due to potential fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: KEYCORP
State: CT

Complaint narrative:
I purchased a property in  XXXX   XXXX , CT and while I was in the mix of my repairs,  XXXX   XXXX  contracted  XXXX   XXXX  to preserve the property.  XXXX   XXXX  changed the locks and in the process caused significant damage. I contacted  XXXX   XXXX  about the damages and they agreed to repair the damages, however after I submitted my invoices they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NE

Complaint narrative:
I was added as cosigner on a student loan through  XXXX   XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I added  XXXX  stipulations for the loan :  XXXX  Interest would be paid during school to avoid a Higher amount of principle at the end of school.  XXXX  I be notified if the loan payment is late.  XXXX  do not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then National Collegiate Trust. The loan is serviced by  American Education Services  and despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected. NCT and  AES  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held hostage or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Getting a loan : Qualify for a better lo an than offered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
Currently, my husband and I are being sued by a law firm representing the City  XXXX   XXXX  Water department. We filed a Chapter  XXXX  in   XXXX   XXXX    . Our rental property was included in this bankruptcy. However, fro m   XXXX  - XXXX  un til the bank took possession of the house, we were charged for the non-meter water account. We received notification from the  City reg arding this debt. Each time we forwarded the information to our Bankruptcy attorney who assured us that he would handle it. Clearly, they did n't take care of it because we was later sue d two yea rs after our BR was  discharged. I  'm being ignored by the water department and the attorney working on behalf of the  City of   XXXX  is trying to use a sledge hammer approach to handle this account. Moreover, I 'm filing this complaint against  XXXX   XXXX  because he committed an ILLEGAL ACT under the Fair Debt Collection Practices Act ( FDCPA ) by stating twice in an email.  XXXX   XXXX , falsely claimed that because the debt was tra nsferred ( a judgement entered against us ) was final and there was nothing we could do because our time have lapsed. Therefore, we lost our de fense. Which was a total fabrication on  XXXX   XXXX  's behalf. The fact is, we still had the opportunity to file a motion to set aside the default with the  City o f  XXXX , which we 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 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Re :  Portfolio Recovery Acct #  XXXX  Last year,  Portfolio Recovery Associates  bought an old account from  XXXX   XXXX  and started attempts to collect it from me. As part of these attempts, it reported the account as a collection to a number of consumer credit reporting agencies, such as   XXXX    and  XXXX   XXXX .     I was concerned about the impact of this to my credit. I called and specifically asked  P.R.A. if they could request deletion of their tradelines to the credit bureaus if I paid and settled the account. I was told P.R.A.  was willing to do this, and I settled the account on  XXXX   XXXX ,   XXXX  .     As of  XXXX   XXXX ,   XXXX  ,  Portfolio Reco  very  is continuing to report the aforementioned account to the leading credit reporting bureaus. In fact, when I disputed the tradeline to  XXXX   XXXX ,  P.R.A . apparently told  XXXX   XXXX  the information should remain reporting to my credit and not removed.     PRA agreed to request deletion of this account once I paid off the debt, so this reporting should cease.   The  XXXX  debt was paid off in  XXXX    XXXX   and has yet to be removed from my record  three  months later.   I request that this account be deleted, as promised, since I upheld my side of the agreement.

Company response to consumer: Closed with non-monetary relief