vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I qualify for XXXX loan forgiveness on my federal loan of {$17000.00} because I worked at a XXXX XXXX XXXX as a XXXX XXXX XXXX for at least 5 years ( it was actually 8 ). I spoke with Navient on XX/XX/XXXX and I was told that my application for forgiveness looks great and I am in the phase where I can " sit back and relax '' and that my work was done. I called last night ( XX/XX/XXXX ) to get an update and was told that there was a problem with my application. This is not the first time that they have said there is a problem, and there is never a timely response, sometimes taking more than 30 days to receive a response. I was told that since the school in which I was working changed names, I must resubmit the entire application with the previous names as well as the original application. So I would have two nearly identical applications going at the same time. The requirement is that I taught at the school for 5 years consecutively and I did so, not including the name change. I find that their information is unclear and untimely, and they are making no efforts to assist me in completing this process. Navient seems to be the only contact point on this subject and is either unable or unwilling to assist me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This is in response to the lawsuit filed against Navient regarding their practices. 

About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice.
The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ).
I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do  was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. 

Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. 

I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. 

I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. 

Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. 

Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. 

They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. 

Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. 

Please, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I received a correspondence from AMCA dated XXXX/XXXX/XXXX stating that I owe their company. On XXXX/XXXX/XXXX, I sent them a letter requesting that they validate the alleged debt. On XXXX/XXXX/XXXX, I received a bill from XXXX and my letter back from them, which are absolutely not debt validation as I requested, and they also violated the XXXX laws. That is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
Syndicated Office Systems/Central Financial Control Amounts of {$100.00}, {$120.00}, and {$1800.00} After XXXX attempts to have these debts validated they keep coming back " verified '' but have yet to provide proof that I owe this debt, they have the authority to collect, a written signature on a contract. After multiple attempts to dispute via the collection agencies as well as the credit bureaus the information provided still is n't sufficient enough to show that I owe said debts. I want this information removed immediately since this is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed. 

Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC 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 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IN

Complaint narrative:
Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. 

I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This debt is not mine. I never had an account with XXXX ever. Someone may have used my information but this is not mine and needs to be immediately removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.

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 2017-10-18 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: AL

Complaint narrative:
The servicer of our loan is Provident Funding Associates and our loan with them opened in XX/XX/XXXX. We have had experiences with this company as what we perceive to be unlawful and damaging. Our first negative experience with them was many years ago ( XX/XX/XXXX-XX/XX/XXXX ) before your agency existed and we would like to bring awareness of that situation should it still be relevant. In recent months, due to circumstances beyond our control our household income has decreased significantly and are having great difficulty making the payments. We submitted all of our information to them in XX/XX/XXXX and again in XX/XX/XXXX seeking relief.Based on what we have experienced, we are certain they have had no interest whatsoever with trying to help us and have looked for every way possible to not help us. We felt compelled to bring awareness of our experiences to your agency, all of the facts associated with the process ' and look forward to the opportunity to speaking with someone at the CFPB about 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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
In approximately XXXX the mortgage on my home was sold by XXXX to Nationstar Mortgage. The mortgage was ONLY in my XXXX 's name. I was NOT on the mortgage. On XXXX XXXX, XXXX, my XXXX  refinanced the mortgage to take advantage of a lower interest rate and lower monthly payments. He was contacted by a representative of XXXX XXXX who advised they would be handling the refinancing for Nationstar. The representative came to our home with the closing documents for my XXXX to sign. The representative stated that XXXX XXXX required that he have me, as spouse, sign some forms affirming I was legally married to my XXXX. He further stated the signing of these documents would in no way obligate me to be responsible for the payment of the mortgage, it was just a formality. He also advised that within XXXX days of XXXX XXXX, XXXX, XXXX XXXX would transfer everything back to Nationstar and the relationship between my husband and Nationstar would resume as it was prior to the refinancing. Approximately 30 days later, my husband received a letter informing him the transfer back to Nationstar had taken place, and he again began receiving monthly billing statements in his name only from Nationstar. Over the course of the next several years whenever Nationstar would call our home to speak with my XXXX, should I answer the phone and offer to assist them ( in the event my XXXX was unavailable ) I would be told they were not authorized to speak with me because I was NOT on the mortgage. In XXXX XXXX, my husband XXXX XXXX suddenly. I contacted Nationstar and advised them of my XXXX 's XXXX. They stated they were no authorized to speak with me about the mortgage, because I was NOT on the mortgage. I was unable to keep up the mortgage payments on my own. My attorney attempted to speak with them, but to no avail. On XXXX XXXX, XXXX, my attorney forwarded a letter to Nationstar requesting a history of the loan. On XXXX XXXX, I received letters addressed to my XXXX and XXXX to me from a law firm, XXXX informing me of foreclosure proceedings with the auction of my home set for XXXX XXXX, XXXX. The letters were dated XXXX XXXX, XXXX, XXXX days after my attorney requested a history of the loan. I have been unable to get any response from Nationstar as to how it is I was never on any mortgage with them, they always refused to talk to me, and now they are foreclosing on my home against me on behalf of XXXX XXXX, who was only supposed to be handling the closing of the refinancing back in XXXX. It is my complaint that Nationstar and XXXX XXXX have engaged in certainly unfair, and perhaps unlawful, practices in regards to their handling of the mortgage. My deceased XXXX and I were mislead and deceived by Nationstar and XXXX XXXX. And, to add insult to injury, they have refused repeated attempts to communicate directly on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
This complaint is a continuation of a previous complaint against Cavalry Portfolio Services wherein I requested that they send me validation of an alleged debt. I do not have a contract with Cavalry Portfolio Services and to date they have not been able to prove otherwise. After my previous complaint was closed due to Cavalry stating they would mail me validation of the debt Cavalry Portfolio Services sent a letter to me dated XXXX XXXX, 2017 attaching a copy of billing statement. I requested that Cavalry send me a copy of an agreement bearing my signature wherein I made a promise to pay Cavalry Portfolio Services. To date I have not received this information. I do not have a contract with Cavalry Portfolio Services and I would like the negative listing removed from my credit report with all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: VA

Complaint narrative:
I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.

Company response to consumer: Closed with explanation