vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.

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 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
ORIGINAL PURCHASE WAS  XXXX  I DID NOT RECEIVE A  PAYPAL BILL U NTIL THEY STARTED ADDING LATE CHARGES. I HAVE SPOKEN AND SENT LETTERS MONTH AFTER MONTH TO THEM, FINALLY I SEND THEM  XXXX  WHICH I DID CK #  XXXX   XXXX / XXXX / 17 . NOW THEY WANT MORE MONEY THE AMOUNT I SENT WAS WHAT THEY TOLD ME TO SEND TO CLOSE THE ACCOUNT. MY WIFE HAS  XXXX  AND THE CALLS ARE VERY UPSETTING

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.

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 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my credit score to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I just recently started monitoring my credit when I noticed tha t Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these debts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: FL

Complaint narrative:
On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
On  XXXX / XXXX / XXXX  I, checked my credit report. I found that a debt in the amount of {$6100.00} was added to my account from "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX ,  XXXX . When I checked this debtor, I found out that it was for a now-defunct  XXXX   XXXX , which I did attend ( in  XXXX   ) , but I did not owe any money to as I strictly used federal funded loans, and no other loans for my education. I find it more than suspicious that I owed nothing to  XXXX   XXXX  at all when I left in  XXXX  or in any years, until this cropped up on my credit report in  XXXX .     There was no debt owed to this school in any amount of money and now  DEVILLE ASSET MANAGEMENT loc ated at  XXXX   XXXX   XXXX ,  XXXX , TX is on my credit report as the collection agency in charge of this so-called debt. his company is ruining  my credit score with this bogus and unsubstatinated claim that I owe them a debt. There have been no attempts to contact me in order to validate the debt and I 'm sick of this garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.

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 2017-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Critical Resolution Mediation LLC
State: CO

Complaint narrative:
I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
I defaulted on my student loans last year due to a bankruptcy filing in  XXXX   XXXX ,  2016 . For some reason unknown to me my student loans totaling approximately {$110000.00} which has received substantial payments over past 20 years was apparently and without my knowledge sold by my former loan handling company  XXXX  to another company called ECMC. These people promptly added a whopping $  XXXX  " collections fee '' making a total balance of approximately {$160000.00} and then began to repeatedly call, threaten, harass, intimidate and extort me into signing a contract with them for monthly payments, or they would cause a great deal of trouble for me due to my unintentional loan default and bankruptcy. They said if I paid for 6 months they would take me out of default, and faced with these threats and my fear, I reluctantly signed their agreement and began to make these monthly payments. My question is was their conduct legal? Can I remove this $  XXXX  " collection fee '' markup in my already hefty student loans? I really can not afford this. Please help, advise and assist.

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 2017-05-20 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XX/XX/XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which they ust placed on my credit reports it took my score down  XXXX  points. Mind you NAVIENT was suppose to pay off EVERYTHING so how did a  XXXX  slip thru the cracks How are they allowed to keep   XXXX   my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a  XX/XX/XXXX  really. I called  Navient  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY   XXXX   XXXX  , and I am paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I AM REQUESTING A FULL INVESTIGATION IN REGARDS TO MY LATE MOTHER. BEGINNING AROU ND 2004. THE FINANCIAL INSTITUTION I WISH TO BE APART OF THIS INVESTIGATION.I AM LOOKING FOR ANSWERS REGARDING THE SAVINGS, CHECKING, CD, SALE OF PROPERTY, PENSIONS DEPOSIT. DUE TO THE FACT MY MOTHER RESID E WITH HER  SON.HER LAST  SPOKEN WORDS MY SON STOLE ( ALL OF MY MONEY ). SO AS HER DAUGHTER, AND PRIMARY CAREGIVER TO HER END I AM GOING TO PURSUE THIS  MATTER.WHAT  HAPPEN TO HER FUNDS!!!!!!??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.

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 2017-05-20 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: MI

Complaint narrative:
I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which  they ust placed  on my credit reports it took my score down  XXXX  points. Mind you   XXXX    was suppose to pay off EVERYTHING so how did a dollar slip thru the cracks How are they allowed to keep screwing my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a DOLLAR really. I called  XXXX  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY SCREWED UP, and I am paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation