vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC
State: IA

Complaint narrative:
the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX  the XXXX was deferred. thx XXXX XXXX call or email me any time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: AZ

Complaint narrative:
Experian : Many Cerified letters sent,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX amounts spend {$6.00} {$3.00} {$3.00} {$330.00} {$3.00} {$3.00} {$3.00} {$330.00} {$330.00} Certified Receipts. Asked Experian to remove old address with no results! Address not deliverable to me by U.S. post office they are not reportable by FRCA. Inquiries ( hard ) did not provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.Reports state Reason unspecified not acceptable. Auto inquires stated count has one in a 30 Day period Experian lists them separate. Mortgage inquiries in a 30 day period count as one inquiry listed has single accounts and Auto inquires. I have tried to do my best with Experian results are poor! I 'm a XXXX Vet and I should get help I need from 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 non-monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I spoke with XXXX XXXX with Quicken Loans looking for some information regarding a home equity loan. He wanted to sell be a refinance of my mortgage. I told him that I was not interested in a refinance but was looking for information on a home equity loan. I had no intention of applying for a mortgage refinance with him. I was just inquiring about possibilities of a home equity loan once my credit cleared up. He mislead me to believe that he could do a quick easy harmless credit pulse check and that it would not hurt my credit in any way. And I specifically told him that I did not want a hard inquiry to hit my credit, and he did it anyways without my authorization and it dropped my credit score by 3 points. I have contacted him about this and I have requested that he remove the unauthorized hard inquiry that is now showing on all three credit bureaus. XXXX refused to remove the hard inquiry. And thats why I am submitting this complaint. Hopefully you can help me to get Quicken Loans to remove this unauthorized hard credit inquiry. Quicken Loans used an agency named XXXX XXXX XXXX to do the hard inquiry and that is what is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.

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 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: AZ

Complaint narrative:
[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am getting contacted about a debt for ( {$620.00} ) that was bought from Midland Funding onXX/XX/XXXX. I have disputed the debt several times with all of the credit bureaus. The debt was removed from the credit bureaus on XX/XX/XXXX and then readded XX/XX/XXXX. I have no idea why. After several calls to the company to resolve the issue nothing has changed. I have asked for a validation letter to prove that the debt is mine and I have yet to receive anything. I have contacted the company several times to try to settle ( even though I have never acknowledged the debt as being mine ) and was told that they " Midland Funding '' could not send written conformation to me advising that they would remove it from my credit reports even if the debt is paid. I am at my wits end because I am thinking if I wanted to make a payment and be done with it ( even though I do not owe the debt ) at any time I would have to make the payments again since there would be no proof that the original payment was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I am the husband to XXXX XXXX ( deceased XX/XX/XXXX ). I have faxed HSBC on ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and sent registered mail on XX/XX/XXXX ( received by XXXX XXXX ) requesting title for XXXX XXXX XXXX. I am a XXXX veteran and losing my wife of 40 years it tough and I really need your help. HSBC has refused to acknowledging receipt of any faxes, letters or calls, NOT ONE FORM OF COMMUNICATION AT ALL. HSBC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
The issue is I should not be in default. All supporting documents with how my payments on multiple times have been applied incorrectly and still not fixing over a year pushing it into default incorrectly. I should owe XXXX for XX/XX/XXXX. Yet they have told me I owe XXXX plus XXXX in wrongly assesed late fees as I had paid mortgage for 5 months in advance in XX/XX/XXXXwhich they applied to false fees and I specifically had told them how to apply I had been paying in advance until they can fix issue. A year later nothing fixed and now they inflate information. They have 72 hours to apply correctly and falsely reporting delinquent when I have proof of money sent and how should be applied. All proof attached fron XX/XX/XXXXto present how they mis handle fees and then report negative. They are stealing money and I have all proof. This is also enough proof beyond a reasonable to doubt for suing them on falsely forcing foreclosure again 1 year later. Enough is Enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
For many years, I have requested an accounting from ECMC as to all the missing and misapplied payments, inaccurate interest, in appropriate fees, collection costs, etc. I have never received the full accounting. All I get is the original note and a balance sheet that starts just a few years ago. I have sent many letters ( some certified ) requesting all of this information and have never received more. Every time an ECMC representative calls or emails, it is the same story that they no nothing about my demands, no adjustments have been made to my account and just want me to agree they are right and to agree to pay way more than I could possible ever owe. I 'm not going to agree and I should not have to agree to pay what ECMC wrongly believes they should be paid just because they say so. It 's wrong!

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 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MT

Complaint narrative:
I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.

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 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously contacted Transunion regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.

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 2017-07-19 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: NJ

Complaint narrative:
I was contacted by Navient about the loan and they stated they would take me to court and garnish my wages if I did not pay immediately. I downgraded things at home to try to make the payment of {$110.00} per month and when I could not get work for the summer since I XXXX they started harassing me calling me 4 or 5 times a day hanging up when I answer. I told them the situation and they told me we have the right to call you since you are not paying and we will continue until you do. They even told me to go to a drug store or gas station to get a job just do n't sit there for the summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.

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 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Windham Professionals, Inc.
State: VA

Complaint narrative:
I received a notice on dated X/XX/17 stating that my wages were going to be garnished due to a defaulted student loan totaling XXXX. This was an order from Windham Professionals , Inc . I called them on X/X/17 and spoke to a very rude gentleman in an attempt to make an agreement for monthly payments. I had no idea who held my loan previous to this encounter as I had searched and called only to be given false information. As I explained this to the gentleman, his response was " TOO BAD and TOO LATE '' and he hung up on me.

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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about my XXXX mom 's bluebird account. I received a letter on XX/XX/XXXX from the company requesting documents from me, I faxed the documents to them on XX/XX/XXXX. I then spoke with them on the same day. They told me they were going to process the check which would take 5 days and send the check out which would take 10 days. I am concerned that I have not received it yet. I spoke with a representative of the company today, and he said he can not give me any information on whether the check was sent out, I have to sit and wait here forever. It is not their money to keep. I do n't know why they wo n't talk to me, as they can not speak to my mother as she is XXXX. my CFPB Ref. No. is : XXXX Ref : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC DECLINED MY APPLICATION TO OPEN A BANK ACCOUNT SEVERAL TIMES ONLINE AND AT POTENTIAL BRANCHES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
It is XXXX saying I owe them XXXX for cable tv in XXXX Illinois .I never lived in XXXX I never been to XXXX and I do n't know anybody in 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 2017-07-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We have applied repeatedly for a loan modification over the last two or three years. Until 1 1/2 years ago we had made our mortgage payments regularly, never had a late payment, and never missed a payment. We had an excellent credit score! I retired one year ago. We also were both terminated from jobs 3 1/2 years ago losing $ XXXXyr in income. Our income is now 1/2 of what it was previously. Nationstar Mortgage keeps offering us a modification which is MORE than the payment we were making when we had to stop payments. The " modified '' payment is 72 % of our income. They have made no reasonable effort to offer us a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was my account.

Company response to consumer: Closed with explanation