vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: GA

Complaint narrative:
Reports of said account is still being reported without being verified

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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Residential Credit Solutions, Inc.
State: NY

Complaint narrative:
We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and  Residential   Credit   Solutions   (  RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a "  XXXX   XXXX   XXXX  '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the  XXXX   XXXX   XXXX  and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our   XXXX    money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our  XXXX  gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
My name is  XXXX   XXXX   XXXX , I am translating on behalf of  XXXX   XXXX   XXXX , who is the borrower on this mortgage.     Mr.  XXXX , does not speak any  XXXX  and hired a company by the name of  XXXX   XXXX , who was supposedly helping him on a resolution for his mortgage. This company was basically working also as a translator to all lender 's documents sent to his address.     The lender, unbeknownst to Mr.  XXXX , sold the property to a third party on   XXXX   XXXX   XXXX   MR.  XXXX  was told that the sale was postponed. He was trying to modify, but apparently the Lender and  XXXX   XXXX , were aware that Mr.  XXXX  had about {$150000.00}  Dollars  equity and foreclosed on him.     Mr.  XXXX , feels he was defrauded by both Lender by not notifying him IN SPANISH THE FORECLOSURE PROCEEDINGS. Mr.  XXXX  has not idea of the process, nor he agrees losing {$150000.00} dollars of his equity on this unknown process to him.     Mr  XXXX  also feels that the  XXXX   XXXX   XXXX  knew there was equity on his house and instead of proceeding with the Loan MOdification, they were trying to do a SHort Sale and buy the house for themselves.     Mr  XXXX  will file a lawsuit against the lender, but is asking, actually begging your office to contact the lender on his behalf and STOP THE PERFECTING OF THE FORECLOSURE SALE.      XXXX   XXXX  feels that if he knew the  XXXX  was not processing his modification, he should have been notified in  XXXX . He would have never allowed the lender to foreclose SPECIALLY HAVING {$150000.00} OF EQUITY.     The lender trustee is Law Offices of Les Zieve,  XXXX  Corporate Park  XXXX   XXXX   XXXX , CA  XXXX  Phone : (  XXXX  )  XXXX  TS number :  XXXX  Please contact us at  XXXX  at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous requests to experian to provide proof of verification of     XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA  Act,  the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the     XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  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 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
In reviewing my credit report in late    XXXX   XXXX  ,  I saw a negative entry on my report from  XXXX  collection services. I sent a written letter to this company on    XXXX   XXXX   XXXX    asking for verification of this debt or a copy of my contract with this company. As of this date,  Franklin Collection  Services has yet to respond or provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: GA

Complaint narrative:
Reports of said account is still being reported without being verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 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: Performance Settlement, LLC
State: NY

Complaint narrative:
Hello, I have recently learned that the company who claimed I could get my student loans forgiven from has been charging me for " re-consolidating '' my loans and doing something that my loan provider offers for free. They made it seem as if the money I was paying to them would be going towards my student loans when it was going towards the company, and I had stopped paying my student loans because I was eligible for a payment of {$0.00}.   Date of contract was  X/XX/2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is refusing to remove three accounts on my credit report that do not belong to me. I have personally contacted the creditors at Experian 's request and they have each individually confirmed my concern that Experian is reporting someone else 's information on my credit. <P/>I am filing this complaint because Experian is reporting someone else 's accounts on my report and they are refusing to remove these items. <P/>The following accounts need to be deleted from my credit report immediately : XXXX XXXX with account number " XXXX '' ; XXXX XXXX with account number " XXXX '' ; XXXX/XXXX with account number " XXXX '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the XXXX in their database. <P/>This is making things more difficult because since I am not the right XXXX, it is against their policies to send me additional information about these accounts. I am being given the run around by Experian and these companies and I feel stuck and do not know what else to do.

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 2017-05-02 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: TX

Complaint narrative:
I went to emergency room last year but after I got out from the emergency room I never received any communication from the hospital regarding the amount I owe. I called the hospital and asked them to provide the copy of statement but they never bothered. Finally they gave it to the collection agency. I never got any statement from the collection agency either. I was looking at my credit report and realized that I have an account in collection. I called them and raised the dispute with them around  XXXX  and asked them to provide the copy of the statement that they sent earlier so that the name and address can be verified. I was told that I need to file the complaint in written which I did on  XXXX  by faxing the complaint to their department. I have called multiple times after that asking for the status of the dispute but until now I did n't receive any response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MD

Complaint narrative:
I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My co-signer passed away from  XXXX . I gave the information to  Navient,  the collector stated there was nothing he could do to help me. I am   XXXX   XXXX   XXXX   and not working. The collector told me again there was nothing I could do ... surely there are options for deaths and life circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: GA

Complaint narrative:
Accounts has not been verified

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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have been working on this file for awhile and I call today and they tell me that I need to resubmit everything! I sent the new counter offer on XX/XX/XXXX and no one has reviewed anything yet. I am giving them the offer amount that they want. Also my client wants to know why he is not receiving the XXXX if he is still living at the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous requests to experian to provide proof of verification of   XXXX   XXXX   XXXX   XXXX   XXXX    account that is being reported on my credit. Under the FCRA Act, the bureau 's are responsible for keeping this documentation on file. Under the FCRA, experian has to verify the account with the original documentation in order to comply with the " right to report '' and FCRA laws. If the original documentation is not provided, the company must delete the account. Under the FCRA, Experian must provide a copy of the verifiable original creditor documentation if it is requested properly by the cosumer. Since Experian can not provide proof of verification to me in the form of a physical contract document per this request and the handwritten request that is uploaded to this file, the account is classified as " unverified '' and under the FCRA, all unverified accounts must be deleted. I would also like to note that experian comes back with they have " verified '' the debt but never provided written proof. If they never received written proof, then the numerous times they have come back with a supposed " verification '' is a complete lie and breaking the law.  Either  show me documentation in its original form for the   XXXX   XXXX   XXXX   XXXX   XXXX    account or remove it from my credit report. I have also uploaded my driver 's licnese and paystub with the last  XXXX  of my socail that matches my credit report,  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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
I requested to have late payments removed numerous times and McCue Mortgage has refused to do so. It is preventing me from obtaining another mortgage.

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 2017-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.

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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.

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 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
DEBIT CARD WAS OVERCHARGED WITH UNAUTHORIZED CHARGES NOT MADE BY ME.BANK OF AMERICA WAS NOTIFIED   XXXX   AND TODAY  XXXX / XXXX /  XXXX   CREDIT WAS REVERSED AND ACCOUNT ENDING IN  XXXX  WAS CHARGED  XXXX , WHICH I DISPUTED!

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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Due to a paperwork mixup,  Roundpoint  Mortgage thought they owned the servicing rights to my mortgage, but they did not,  XXXX  did. I am attaching the welcome letter from  XXXX , clearly demonstrating that  XXXX  acquired servicing rights effective   XXXX   XXXX  2017   . For  XXXX  months,  Roundpoint  harassed me asking for payments. Finally, after I filed CFPB Complaint #  XXXX , Roundpoint sent me a letter acknowledging that  XXXX  owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached.     However, today,   XXXX   XXXX  2017   , I received a phone call from  Roundpoint  asking for my " past due '' payment for  XXXX . This is a payment that I never owed to  Roundpoint  because they no longer had my servicing rights at that time.     I need the phone calls from  Roundpoint  to actually stop.

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 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi

Company response to consumer: Closed with explanation