vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Kirkland Financial LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, I became severely ill and had prescriptions that were not covered by my insurance, which resulted in me paying out of pocket. By XX/XX/XXXX I was out on XXXX   until XX/XX/XXXX. I returned to work part time and because full time in XX/XX/XXXX. I went back out again in XX/XX/XXXX for surgery, and returned back to work in XX/XX/XXXX. During that time my loan was transferred from XXXX XXXX XXXX during the process of my modification to XXXX XXXX. I then applied for a modification from XXXX and they advised me that they were reverting back to my original loan of 7% at $XXXX a month. My current loan is at 2% and the payment is $XXXX. They transferred my loan after two months to Kirkland Financial Group. I contacted Kirkland Financial for a modification and they denied me stating the payment they came up with is not affordable. They came up with a payment of $XXXX.  I then applied to the Hardest Hit Fund in NJ and was approved for the assistance to bring my loan current. Kirkland declined to participate and adviced me to reapply for a modification. This was the email and terms that were offered:  Based on the documents provided, it appears we can get something done.  As of XX/XX/XXXX, per the attached payoff, you owe $XXXX. You are currently over $XXXX past due in payments alone from XX/XX/XXXX to date. We can offer a 6 month trial modification beginning XX/XX/XXXX.  You will need to pay your own Home Owner’s insurance and Property Taxes. Payments will run XX/XX/XXXX thru XX/XX/XXXX at $XXXX monthly.  You will also need to make a $XXXX “good faith payment” which can be split into 2 payments - $XXXX due on XX/XX/XXXX (along with the 1st monthly payment of $XXXX) and $XXXX due on XX/XX/XXXX (along with the last monthly payment of $XXXX).  Assuming you comply with the terms of the trial period, your loan would be modified as follows: $XXXX Balance (currently owe $XXXX)5.00% Rate (currently at 2.00%)180 month term (currently 455)$XXXX P&I payment (currently $XXXX)$XXXX Total Payment Please let us know if you accept this offer. This is our best and final offerThis company is clearly not willing to assist me with saving my home. They raised my interest rate from 2% to 5% and shorted my term. What kind of mondification is this? They don’t even want me to pay any utilities to keep me warm.

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 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My original student loan balances were {$38000.00} and {$34000.00} when the loans were consolidated and I began my $ XXXX  monthly payments on XX/XX/XXXX. I continued making the $ XXXX monthly payments as agreed until XX/XX/XXXX, when I filed a Chapter XXXX Plan. The loan servicer told me that I should not make any payments until the Chapter XXXX Plan was completed and discharged. That same advice was confirmed by my bankruptcy counsel. The Chapter XXXX Plan lasted 5 years, during which I repaid the majority of my unsecured debt and continued paying my mortgage and car payments outside the plan. Upon discharge of the Chapter XXXX Plan, Navient advised me that it had capitalized 5 years of unpaid interest, effectively doubling the amount of the unpaid principal balance. 

I am now XXXX years old, unemployed and receiving a {$2000.00} monthly social security benefit, supplemented by a small IRA fund. My wife is XXXX and also unemployed. Neither of us have been able to find employment in our respective fields. 

Navient is demanding payments of {$1100.00} for 120 months, which will result in a total repayment of over {$150000.00}. Navient purposely advised me to stop my payments during the Chapter XXXX Pan so that it could charge me nearly twice what I originally owed on my student loan. I have repeatedly requested a smaller repayment amount from Navient to no avail. My IRA will be depleted before my expected lifetime expires if I am forced to make the demanded repayment amount ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: CA

Complaint narrative:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. XXXX   shows me being delinquent XX/XX/XXXX but the account was paid in full on XX/XX/XXXX. XXXX  does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.

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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My husband used my credit to lease a vehicle in XXXX while I was out of the country. He paid the first month 's lease when he paid down payment with other fees relating to registration and drove off the car. Since then, we never received any bills from the creditor, GM Financial, until I received an email from credit bureau ( XXXX and XXXX ) notifying me that my credit score dropped by 60 points. Surprised, I reviewed my credit report. It went down by 60 points because GM Financial reported late payments on my husband 's auto lease. I came back to the States in late XXXX. I looked through every mails that came while I was gone and there was no mail or anything from GM Financial ever. We still have not received any bills. The lease amount is only {$280.00} - I would never miss this payment at the risk of losing 60 points on my credit score. I called GM and they said they can not remove the report because they mailed them out. This is ridiculous - we just opened up the account in XXXX and this was our first time missing payment clearly due to GM 's mailing system. Again, we still have not received our XXXX bill which they claimed to send on XX/XX/2018. How am I supposed to pay the bills that I never received? I am responsible for multiple bills per months. GM Financial does not care and merely repeats that they sent out the bills. They clearly don't care about the fact that I will not be receiving those bills in the future as well. This creditor is harassing consumers and needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Purchased an item on XXXX through PayPal, in early XX/XX/XXXX. I was issued a partial refund of {$11.00} from the seller. PayPal refuses to credit the {$11.00} back to my account. I've spoke with customer service on 5 different occasions, emailed and chatted on line with customer service but to no avail. PayPal associates said ( XXXX ) it was return to my account, but I nor my bank has any transactions to support that claim. I spoke with the XXXX help line twice for any help at all, but the two companies are separate. I tried to close the PayPal account but they show I have {$11.00} on the books and can not close because of that, then true as that is, how could they have returned the {$11.00} to my bank and on what date? There is not a PayPal location in my state of Va, the headquarters is in Ca., please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: GA

Complaint narrative:
Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.

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 2018-11-09 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: TX

Complaint narrative:
They have not removed chapter XXXX/XXXX Bankruptcy from my credit report Equifax/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
My wife had a small XXXX XXXX on her XXXX and did not pay the full amount to Dr because we were not able because of my spouse had to go on leave of absence because of a XXXX XXXX needing XXXX in XX/XX/XXXX this year.My spouse is a veteran and tried to get help from the va because of a XXXX XXXX due to damages inflicted by military service.However this request is still in appeal the collection agency Western Mercantile Agency , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ph XXXX sent me a letter stating i owe {$690.00} plus {$100.00} dollars in intrerest for a total of {$790.00} dollars Stating that i have 20 days from XXXX-18 to pay in full or they will take legal action if so i would pay attorney fees and court cost.They also stated that interest would compound as long as debt was not paid.At the time of this letter i only work part time at XXXX XXXX and my spouse is on medical leave and only draws social security.I tried calling this agency this morning XXXX-18 and got no answer.can you help me? 
Thanks Mrs XXXX XXXX/XXXX XXXX spouse

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. 
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. 
This not fair as the amount is exorbitant. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX  with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX  and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX  parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.

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 2018-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I attended Itt forced loan signatures and untruthful information of Amount of Loans. I never received a job with this degree it was no help to me, it actually hurt me with finances long term of my success path.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: CA

Complaint narrative:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX   XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX ACC #   XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX ACC #  XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

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 2018-11-09 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: VA

Complaint narrative:
THIS SAID COMPANY CHARGED MY VISA BANK OF AMERICA CREDIT CARD XXXX ON XX/XX/2010 WHEN I SAW THE CHARGE ON MY STATEMENTS I REPORTED IT TO CREDIT CARD AND I WAS TOLD FROM AT REP THAT THEY WOULD CREDIT MY ACCOUNT WELL THEY NEVER DID. I TRIED TO CALL IN AGAIN TO REPORT THIS SAME CHARGE AND THEY ARE NOW SAYING THAT THE CHARGE IS TOO OLD AND THEY CANT DO ANYTHING FOR ME. IM REPORTING TO YOU BECAUSE THEY SHOULD BACK THERE CLIENTS AND REFUND MONEY THAT WAS TAKEN OUT OF MY ACCOUNT THAT IS FRAUD. PLEASE HELP ME GET MY MONEY BACK

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an account with XXXX that has now been closed for over 2 years. Ive attempted to contact XXXX and pay the outstanding balance, to no avail I was told that the account was moved to collections. So I contacted the collection agencys phone number XXXX once I got ahold of a rep for this agency I was told that the account is so old that I can not pay the balance and he can not help me pay off the XXXX $ balance. After that I filed a dispute with XXXX  and they did nothing to help my report or the situation. Ive tired every route.

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 2018-11-09 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:
They have not removed chapter XX/XX/13 Bankruptcy from my credit report XXXX/Experian

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