vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. 
Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. 
Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. 
Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. 
I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE & WEINER has submitted to the XXXX credit bureaus a collection account for XXXX that does n't belong to me. I have had XXXX communication with them and all of a sudden there appears this collection account. The account does not belong to XXXX it is fraud and needs to be removed. I have attached a police report and FTC affidavit. Please remove and cease collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate called my number but did n't leave a message. I looked them up on the Internet and found out who they are. I have just completed a line of credit and a new car loan and my credit scores are excellent. No one has submitted my name for collection. I put them on block on my phone because they were calling four times a day. It will ring once and then hang up on them. They have been calling for weeksXXXX four calls a day. This is harassment as I am on the Do Not Call Registry. Their claim to others who have been similarly harassed is that the person they are looking for must call them and ask to have the person being harassed 's name be removed from their calling list.

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 2016-11-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The collector has called another family member and constantly keeps calling my cell after I said 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 2016-01-30 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: VA

Complaint narrative:
I have tried several times to get Seneca Mortgage XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX to do a home modification. They gave me the run around and customer service was rude. After submitting all the documents they requested they had already set a foreclose date on property. This was while I working with XXXX and they still did not help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.

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 2015-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: PA

Complaint narrative:
Key bank opened my account and then closed it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: KEYCORP
State: OH

Complaint narrative:
For weeks now I have been having trouble getting a satisfactory answer from Keybank. I have talked to many representatives both overseas and here. The web of phone lines I have had to go through to get a person to help me is amazing and not in a good way. Here is a brief synopsis of what I have been going through. 

On XXXX XXXX we bought a car for XXXX I wanted to charge it so we would get our points but the seller did n't take credit cards I remembered convenience checks from years ago and I remembered them being free. They were just sent to me without asking. 

On XXXX XXXX I called Keybank with questions and got an overseas representative, XXXX I asked her if there were any fees and if I could get my reward points She was very quick to get my information and send me the checks but I kept asking the questions. She answered in an accent that was hard to understand so I asked many times. 
She kept going and asking her supervisor I was not following her very well but thought I was asking the right questions ... over and over again I do remember saying So this is like using my card ... and So do I still get my reward points ... 
she would quickly answer me in broken English ... 

Then I get the checks in the mail ... I look it over and do NOT see anything that says Convenient check fee so we use the check Then I look up my online account and see {$150.00} charge for Convenient check fee and I received no points ... 

Looking over the Letter again I see on the back last line that no reward points will be given. 

Since I have talked to many representatives all saying they can not waive the fee because the representative I talked to, no matter how bad her english was or how fast she talked, DID tell me it was a XXXX % fee or XXXX. They all agreed the original phone call I made to get answers about the convenience checks ( and got an XXXX representative who spoke fast and broken english, and clearly reading things out of a book or checking with her supervisor ) did sound like I was confused and not understanding but the fact that the representative did tell me XXXX % fee covered their butts legally so they will not waive the fee. 

This fee was worded on the letter but as a " Balance Transfer Fee '' and not a Convenience Check Fee. How was I to know that? 

We have been good customers of Keybank for over 30 years and yes this was a mistake on my part for not hearing her say the checks have a 4 % fee which in my case is {$150.00}. But in my defense IF I would have had an english speaking representative help me this whole thing would have never happened. 

The original representative was XXXX and my case # is # XXXX I can not seem to get to speak with a person that COULD make the decision, in my city, who represents KeyBank. 
I have talked to XXXX XXXX XXXX XXXX and a few other overseas operator/representatives whose names I did n't write down Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.

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 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Arbor Residential Mortgage LLC
State: TX

Complaint narrative:
Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Contacted original debtor and was advised that the two accounts in question were charged off back in XXXX and XXXX. Disputed with the credit bureaus and the investigation results came back as " verified '' valid by the collection agency.

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 2016-08-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I started the modification process with roundpoint, they are giving me the run run around for the longest time first they give me a one year trial after making my fith payment they disqualified me because the allegedly did not received one of my payments know every week they send a missing items letter with something different every time. I really need resolution my wife is going through XXXX and I 'm sick XXXX. Please help me! My name is XXXX XXXX loan # 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 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc.
State: CO

Complaint narrative:
They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.

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