vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was scam by XXXX XXXX XXXX XXXX. I was making payment to lower my student loan but turn out it was a scam i payed over 800 $ to them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: FL

Complaint narrative:
Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.

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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.

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 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Critical Resolution Mediation LLC
State: LA

Complaint narrative:
I continue to get calls from a lady named XXXX at CRM phone number XXXX She called my job multiple times saying that I owed a money from XXXX- that I borrowed online- that I didnt! and stated that I am going to have officers arrest me and that I can not work at this job with a felony. I am a XXXX  and was in front of a patient, while she was yelling SS #, my address, saying I was a felon, and officers would take me out of a patients room and this was not her fault and she will have them come to my job now! I repeatedly told her that I am not able to answer these types of calls at work and I have no knowledge of what she was talking about. Asked if she could call at a later time. She stated that she was not required to let me off of the phone. She started yelling my phone number and account numbers and stated that I can not hang up or I will be jailed!! She has called my job 2x on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and then called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and my cellphone 4x times XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left messages this morning on my work phone saying this is a felony and if I dont call her back in a few moments she will discuss this with my employer. This lady was very disrespectful, I am at risk for losing my job!! I alspo asked her to supply a fax or email me what she is talking about and she stated that she is not liable to do so and wanted me to supply my information with no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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:
First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXX XXXX  activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats 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 non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DOAN SOLUTIONS
State: OH

Complaint narrative:
I receive 10 phone calls a week for the last year about consolidating my federal student loans. I am now receiving emails about this. I do not have any student loans ( federal or private ) of any kind. I am not receiving any bills in the mail. I am concerned that someone has taken out loans in my name or an error has been made. I called XXXX at XXXX and XXXX at XXXX and was hung up on several times. I do not want to receive any further contact about student loans as I do not have any.

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hello. 

I am in a repayment plan with Navient for loans taken out for my daughter, starting in XX/XX/XXXX. 

I asked Navient to temporarily hold payments in XX/XX/XXXX. I was granted 6 months with no payment. I requested an additional 6 months with no payment and was denied. Also, my payment went up. 

I originally requested a reprieve based on loss of income. My wife lost her job. But for the previous year, she had been sick and it took a year for a diagnosis. She is still unemployed and na not be physically able to return to work - which has cut out income in half. 

What can I do to get rid of these loans or before a much power payment. I have tried on multiple occasions to negotiate with Navient to no avail. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
For the. Last months they continue to call from various XXXX area code numbers. I told them to send correspondence to me via the mail. They CONTINUE to harrass me and will not provide me with any information regarding the reason for their call. After some research it looks like a XXXX bill which I had paid previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.

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 monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
XX/XX/2018 I resubmitted my income foe my repayment plan. My income has only gone up by {$1000.00} last year my payment was {$79.00} this year it is {$540.00}. I have call a number of time trying to get this worked out. Navient keeps telling me my income has gone up {$29000.00}. I do not understand how my income going up by {$1000.00} cam more then triple my payment. I have renewed mt income the same way every year. studentloans.gov the IRS pulls the XXXX over and then submits it to Navient. I need hepl in this matter as my income has only increased by {$1000.00} and can not afford to pay XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: IL

Complaint narrative:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX  that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC
State: CO

Complaint narrative:
My Closing Disclosure misrepresented the Mortgage Insurance payment, it was in fact a SFH Guaranteed Annual Fee which was never disclosed to me. 
1. The {$140.00} monthly payment is not Mortgage Insurance as listed on the Closing Disclosure, it is an SFH Guaranteed annual fee charged by the USDA to the lender who passes this fee on to me, for the life of the loan. 
2. The stated purpose of this annual fee is to allow the Agency to reduce the upfront guarantee in Sec. 3555.107g. 
3. In addition, the Payment letter issued by Envoy Mortgage LTD XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX lists the XXXX payment as PMI. See attached. 
4. Envoy mortgage LTD. Sold my mortgage to : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
5. This annual fee of {$1700.00} ( {$140.00} mo ) does not show in my escrow account with XXXX. 
6. PMI can be removed once LTV is at 80 %, which I am at. The annual fee of {$140.00} is for the life of the loan which I did not agree to. 
7. I paid the Upfront Guarantee Fee of {$9600.00} thinking this was the only fee for the loan. 
8. The SFH Fee is an additional 8.9 % charge to my principal and interest. I was never informed of this and only discovered what this Fee was by requesting the PMI be removed from my monthly payment at XXXX. See attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX i applied for a credit card with XXXX under the impression they serve the military members and was denied based only on a out of state mailing address, their website clearly stated i was eligible as retired military serviceman and i can prove my status anytime upon request however i was denied, no where did it state my mailing address had to be within texas furthermore the website after taking in my address and information clearly stated i was eligible and only after that did i proceed. This is not a mistake on my part but because of XXXX faulty/incorrect membership criteria is misleading and the misleading information will cause my credit score to drop causing my to pay higher interest rates this is not fair to the consumer.

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 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This Company XXXX XXXX added a collection account to my credit report that is well over seven years old. The date stated that it was opened was XX/XX/XXXX but last reported on XX/XX/XXXX.I have made multiple attempts with reaching out to this company to verify debit.I have called received hold music, email and sent a letter to verify the original creditor. On my further research, This company is NOTOROUIS for doing this to other people. They have open lawsuits as well. I sure the reason why I cant get a reply back is because this company knows that the SOL has passed! I have also reported the issue to ALL 3 CREDIT BUREAUS. 



Your Help is Needed and Greatly Appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MS

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, payment was mailed to original creditor and they returned check by mail and in XX/XX/XXXX they informed me to notify collection agency. I then mailed collection agency 3 payments totaling the full amount. Each check included pay to delete contract and memo for pay to delete if checks were cashed. Agency cashed checks and failed to delete with all three credit bureaus. Checks were held and not cashed for weeks.The agency then reported the the debt to all three bureaus which seemed ridiculous, uncaused for, and malicious. Proof of mailed checks, cashed dates, etc. attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I found three bank books from XXXX XXXX  which are now 21 years old. ( XXXX XXXX  then it was XXXX XXXX and now it is Wells Fargo Bank ) I deposit on XX/XX/XXXX at XXXX XXXX   XXXX in a Burial Funds Escrow account for my XXXX  brother. I am my brother 's legal guardian. The account saving book was put away and forgotten because brother was put in a group home. I have moved a couple times in XXXX XXXX and now I live in XXXX. When I got to XXXX   the group home told me to put about a XXXX in a death account for my brother so, I went to Wells Fargo Bank and did so. The account were never linked because someone withdrew a lot of money from the burial funds escrow account while in was in dormant status. When I went to Wells Fargo on XX/XX/XXXX or XX/XX/XXXX they found a similar XXXX XXXX   number and that when they found that the withdraws where made. I asked for the withdraw signature slip I was told that I would need subpoena. I have bought all my identification to prove who I am and my guardianship papers. 
The second on XX/XX/XXXX I deposit XXXX in an saving account for myself. Wells Fargo told me they would not do any investigation because they had no account similar to the XXXX XXXX account. I have checked everywhere and there is not record of this money such as unclaimed money. I went back to Wells Fargo and asked please do an investigation and was told they could not do anything. 
The third saving account was for my XXXX  brother for the amount of XXXX that was deposit on XX/XX/XXXX which was a year after mother 's death  XX/XX/XXXX and a year before father 's death XX/XX/XXXX. After their XXXX  I became my brother guardian. I been to legal aid and I am XXXX over limit for there help. I am XXXX years old and a retiree. Can any one guide me to the next step or an solution. I have all the bank books, file and letter I wrote to Wells Fargo Bank and will send as needed.

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 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Diversified Consultants just reported a {$510.00} collection account on my credit report. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal rights, as protected under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief