vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 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: AL

Complaint narrative:
My husband and I both graduated from law school in the mid  XXXX  's and  XXXX   XXXX  suggested we do a joint consolidation of ou r Fede  ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there.     In  XXXX , we applied for  an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the  three  years we were on the plan. At some point during this time,  XXXX   XXXX  switched  to Navient. Navient lo st our paperwork for  XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until  XXXX   XXXX . I recieved a call from a company called  XXXX  telling me our student loan was in  Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction.     Based on what I can tell from  XXXX ,  Navient apparently had transfered our loans to a state agency in NY -- - XXXX  ? who  again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent  XXXX  ( at there r equest ) a n email asking them to open an investigation into the matter in mid  XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on  XXXX   XXXX , we received packets from this  XXXX  and  XXXX  telling us that we have 11 day s ( until   XXXX   XXXX   ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero  communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA.     Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to Experian 's report number  XXXX , the  XXXX  account should be removed as of  XXXX    XXXX   ( I have had difficulty getting them to remove accounts promptly in the past ).

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 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date . Wellsfargos pay  off valid through  XXXX   XXXX  have invalid descriptions such as  Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions  that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: AR

Complaint narrative:
I have tried submitting various complaints to TransUnion,  XXXX , and   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted one dispute to TransUnion o n      XXXX   XXXX , 2017     and on      XXXX   XXXX  , 2017 I was notified the " investigation '' was completed. They are required under FCR  A  regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

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 2017-05-01 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: AR

Complaint narrative:
I have tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 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: AR

Complaint narrative:
I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the    XXXX   XXXX   XXXX   I  tried to pay my balance on my credit card.I called the number listed.   I heard about every  3rd w ord from the customer service person. I would like to add that making payments before due dates are not as straight forward as they need t o be .I 'm wond ering if this is not intentional. It should n't be that hard to pay your bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I contacte d National Credit Systems  on  XXXX   XXXX ,  2017 . I spoke with  XXXX   XXXX  est.   She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I do n't know what credit management, l p I have like  XXXX  or  XXXX  charges in collections from them. I do n't remember dealing with a company like that please help me.

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 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Your school falsely certified your elgibility to recieve the loan based on your ability to benifit from its training, and you did not meet the ability to benefit student eligibility requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I got fraud by a group of  XXXX   XXXX  with  XXXX , an account holder of TCF National Bank with Account Number  XXXX ,  XXXX   XXXX  in Texas,  XXXX   XXXX  and  XXXX   XXXX   XXXX  to wire money out on a mistery shopper job.     I received a package from  XXXX   XXXX   XXXX  with the instruction and a check {$1900.00} issued by TCF National bank  XXXX  Account  Number  XXXX .     The instruction said to make deposit to my bank and the money send out by  XXXX .     I also received a lot of Email and text as name on  XXXX   XXXX  and asked me to do it.     I wired out {$820.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX /   17  and {$810.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX / 17 .     After I wired them out, the check deposit was returned and no able to use the check.     I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}.     I have already called and send  Email, but I w o n't be able to contact them.     Please find them and get money {$1600.00} back from them.     I attach all copy 's of the proofs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''

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 2017-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I noticed the mortgage statements I receive from the alleged mortgage servicer,  Select Portfolio Servicing, states on the bottom of the letter " This is an attempt to collect a deb. All information obtained will be used for that Purpose. I made payments with this   servicer not knowing if they were a debt collector or mortgage servicer.     On    XXXX   XXXX   XXXX   I  sent a lett er to Select P  ortfolio Services to verify who the v erify the allege creditor and asked for name, phone, and address. In response on  XXXX   XXXX   XXXX , they have returned a letter stating tha t   XXXX   XXXX   XXXX   XXXX   is referred as the " investor '', " creditor '', and/or " note holder '' of the account. They r efuse to give me contact information because its proprietary information. I do not recognize    XXXX   XXXX   XXXX    as a creditor.     On  XXXX   XXXX   XXXX , I have sent a letter to  Select Portfolio Servicing Inc ( SPS ) t o validate and verify the debt. My first problem was identifying  SPS. T he letters I receive from this company states they are a Mortgag e Service c ollecting for a loan but on the bottom of the letter it states it is an attempt to collect a debt. I tried to speak with a representative, a recording played stating this is a debt collector attempting to collect to collect a debt. When i spoke with the representative I never received a clear answer as to if they were a debt collector or mortgage servicer.     I want to verify who was the original creditor and who is collecting on the debt.  SPS  claimed  XXXX   XXXX  is creditor but   XXXX   XXXX   is the noteholder/investor. They never provided name, address, or phone number of any of these alleged creditors. I personally calle d   XXXX   XXXX   XXXX   XXXX  ,   t hey claim to have no information of this debt. I emailed  XXXX   XXXX  regarding this debt. In response they stated that loan information I have given them was for  XXXX   XXXX  and are not in business. I discovered a letter  XXXX   XXXX   XXXX  from  XXXX , the original servicer, the release of deed to secure debt stating the debt is paid in full and release of lien. But I never received notice from the original creditor th at SPS or   XXXX   XXXX   XXXX   XXXX   is going to collect any debt for them or on their  behalf. There is no evidence that I owe any loan or debt to    XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: OR

Complaint narrative:
I have contacted equifax on several occasions through mail, online disputes and through telephone. I have sent in documents numerous times stating that my balance was paid in full for several of my accounts and also stated that several of the information they had on file was inaccurate. The phone  call I last  had took place on Friday  XXXX . The operator stated that they received my information but they still could n't remove my delinquent account even though I sent them proof and it was right in front of them. I have already maile d in 3 letters and 3 online di sputes within the last couple months for them to keep listing it on my credit report and allowing my credit to drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
I CHECK MY CREDIT ON  XXXX / XXXX /  XXXX  , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Express Recovery Services  The collection agency  Express Recovery   aka   dba   XXXX   XXXX  has made multiple reports to the Credit Bureaus which are duplicated more than once on most an d two or three times on many. In total 31 reports filed with 16 o f those being duplicates or triplet reports of the same claim. Their is also a claim reported on my credit report that is  XXXX  bill which had nothing to do with me nor services being rendered to me. The bill was for a hospital stay involving my husband  XXXX   XXXX  and the  XXXX  wrote the balance off but the collecto r Express Recovery  will not stop collections on the claim as well as filed for judgement of the claim and another charge which was written off too. Please give the agency and the hospital attention in this type of practice which seems to be deceptive when the charges had been forgiven then revived to collect again and services that I did not receive.  Total r eported claims exceed  XXXX  that are wrong, duplicated or not applicable to my receiving the service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lending Club Corp
State: NY

Complaint narrative:
I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX

Company response to consumer: Closed with non-monetary relief