vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cooper Hoffman Klein Associates
State: OH

Complaint narrative:
This company named Cooper, hoffman, klein and associates, has hounded me by telephone, at my home, work and my mother in law. They have used foul language at my place of work when asked to not contact me any further, they used the XXXX word to our receptionist at work, That persons name was XXXX, then I spoke to her I repeatedly asked her to not call me, I do n't know what she was speaking about in regards to owing something, I told her to send it to me by US mail, she told she did n't have to do that and that I was to pay up right then. They continue to call under many different numbers with automated messages, after they have been asked to stop many times. 
They have done every communication attempt in total disrespect! 
Frequent or repeated calls, Threatened to take legal action, general herrassment!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, XXXX AND EXCELLED IN HIGH SCHOOL AND XXXX -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX XXXX IN IT FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH FED LOANS ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO XXXX PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX -- -- -XXXX ON XX/XX/2015 I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: CO

Complaint narrative:
I am selling my home to the current occupant of the house.The buyer has been going through the process of securing a loan through the V.A. 
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX, the mortgage was sold to Seline Finance, a mortgage collection agency. Seline put me on " trial payments '' again for another four months. In XX/XX/XXXX, the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since, but the process continues - however slowly.The estimated closing date is still not determined. 
A week later, I received paperwork to sign the " modified '' mortgage with Seline. The mortgage interest rate is the same 6 % it was for years with XXXX. 
Seline now tells me that if I do n't sign their mortgage by week 's end, I will go back into foreclosure. Seline sent me a payoff statement, where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow, and another {$6100.00} in " interest ''. I must assume that " interest '' is charges accrued during my long stretch of no communication with XXXX. 
Question 1 : What can be done about Seline 's deadline for signing a mortgage by XXXX/XXXX/XXXX, while I wait for a sale date? 
Question 2 : When XXXX sold my mortgage to Seline, did I lose my ability to contest {$6100.00} in " interest '' that I 'm now being told to finance with a new loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As repairing my credit with XXXX for the past 3 years my score has been improving. Recent desires to buy a auto, I applied for a loan at my bank a credit union to be turned down. I then checked back with XXXX, my XXXX XXXX, EQUIFAX SCORE IS XXXX, BUT has 2 fraudulent XXXX accounts in collections from XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. Their is also a tax lien from XXXX for XXXX paid marked paid as of XX/XX/XXXX. So I attempted to dispute these items XXXX no problem 1 XXXX already removed no tax lien. As i filled out Equifax information it stated items were inaccurate, it took me to another screen. I filled out this long information on the 3 items to dispute and sent off. Well no email not dispute # created notta. I called to actually speak with a representative, again you jump through hoops to get a actual rep. Then we go through vital verification info name, address, ss #, DOB, then security question of recent inquirer 's so one of the institutions I attempted to get a car loan at put in the wrong DOB for me, and now I have to jump through hoops to verify I was born! Then jump through hoops to dispute fraudulent claims and a non updated removed tax lien from XX/XX/XXXX PAID IN FULL 5 months after reported on my credit! Geeze XXXX XXXX XXXX! I 'm sorry my husband became XXXX from the XXXX at XXXX XXXX! I 'm sorry I lost my job caring for him! Yet tax lien was paid 17 months late! Equifax is a XXXX in their accountability to consumers, you have to sign up and pay in their direct web site, someone can inaccuracy report a DOB and you the consumer has to jump through hoops to prove your own identity, oh yeah they wont tell you which company either! Equifax even though you submit this other long dispute form does n't even generate any tracking info wont let you cut copy or paste!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
A collection has shown up on my XXXX and equifax that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have westar energy at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for XXXX and equifax to remove this innacurate collection from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: IN

Complaint narrative:
I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
There is a pending foreclosures sale date XX/XX/XXXX. Despite the fact that. 
1. A timely request for validation was sent to Nationstar Mortgage ( " NS '' ). ( The principal amount due, the principal balance is disputed. ) Please provide a proper ledger from the inception of the loan and mortgage with a proper chain of tittle. 
2. NS is foreclosing on Loan # XXXX on behalf of XXXX National Association, As Trustee ( " U.S. Bank '' ). No record have shown that XXXX is the owner of the loan or the mortgage. U.S. Bank in 3 separate occasions have denied ownership of loan stating that they are a " mere trustee '' to the investors to the loan ( NS or XXXX have standing in this foreclosure action and it 's Authority is disputed ) see attached exhibits XXXX. The 6 year statute of limitation have expired to collect on this debt. NS 's Attorneys continue to harass me with debt collection letters. 
4. Excess fees added to the loan after the loan has been accelerated are illegal. This alleged loan has been accelerated on or before XX/XX/XXXX by XXXX. ( see attached exhibit " A '' 5. NS will not assist approve a modification claiming that already had a modification. However, Modification was approved by XXXX. but was not acknowledge by XXXX after it was transferred. That resulted in voiding of the contract. XXXX later apologize but would not restate the modification instead transfer the loan to NS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX we applied for the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ) and in XX/XX/XXXX we received {$89000.00} in PRP funds. As part of receiving the funds we signed a note and deed of trust that was recorded in the county records. On XX/XX/XXXX Nationstar Mortgage applied the funds to our account. Shortly thereafter, Nationstar sent us a proposed recast agreement with several errors. We replied with a letter detailing the errors in the proposed recast agreement. Nationstar sent us the identical recast agreement and we again sent a letter detailing the errors in the document. Nationstar then sent us the third copy of the proposed recast that had minor changes to the amount we would owe, but still had the errors detailed in our two previous letters. On XX/XX/XXXX we sent a third letter to Nationstar again laying out the problems with the proposed recast agreement. On XX/XX/XXXX, Nationstar Vice President of Corporate Social Responsibility XXXX called me to discuss the recast agreement. XXXX stated that a signature for a recast agreement was no longer required ; that signing a recast agreement was not a requirement of KYHC and that Nationstar was adhering to the guidance provided by KYHC and the U.S. Department of the Treasury. She promised to email a document with the information. We never received the promised email and information XXXX XXXX promised to send. Our mortgage statements showed the application of the {$89000.00} to our account. 
In XX/XX/XXXX we applied to Nationstar for a Home Affordable Modification Program ( HAMP ) modification to our mortgage loan. On XX/XX/XXXX Nationstar approved the HAMP modification. On XX/XX/XXXX Nationstar returned the {$89000.00} in KYHC funds, removing them from our account. We never received any notice of any kind from Nationstar or anyone else suggesting that there was any problem with the KYHC PRP funds. 
I contacted KYHC and learned that KYHC and the Treasury require that a recast agreement be signed in order to receive funds from the program. Additionally, a borrower can not apply for both KYHC and HAMP simultaneously. Because we had not signed the recast agreement we effectively had XXXX open applications for federal programs and that mandated the return of the KYHC monies.In XX/XX/XXXX KYHC reconveyed the Deed of Trust we signed for the KYHC PRP funds. 
KYHC staff informed us that we could reapply for the KYHC program. By the time we had learned all the details of what had occurred, while we could reapply for KYHC and likely receive PRP funds again, we would not have been able to obtain a HAMP modification due to the termination of the program on XX/XX/XXXX. 
Nationstar and XXXX appear intent on forcing us into foreclosure. Nationstar has refused to work with us to resolve this, even though we have commenced litigation over their mortgage servicing violations and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express sent marketing information to my home address soliciting to my father, but they did not include the suffix so I thought it was addressed to me. It had pre-approved deals solicited to my name and I started applying for the credit card online. They did a hard credit check on my information then denied me. But I put in information that clearly showed that I am the XXXX, including my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I purchased a high definition television that cost {$1700.00} from Best Buy in XXXX. In an effort to build credit ( since I usually make all purchases in cash ), I opened a Best Buy Credit Card. I bought it on a promotion that gave me no interest as long as the tv was paid by XX/XX/XXXX. I made all monthly payments in excess of the minimum pmt due. Unbeknownst to me, there was a debt protection program added on that added an additional $ XXXX- {$25.00} to my bill every month which made it impossible to pay off the balance. Due to my work schedule ( XXXX ), I never looked at the bill. I always drove to Best Buy when I arrived home and paid {$100.00} on my account. It was not until after XX/XX/XXXX that I received a bill saying I owed about {$4000.00} for the tv because of deferred interest. I requested all of my bills, which Best Buy could not provide because the account was taken over By Citi from the originating creditor, XXXX, so they provided as far back as they could. It was at that time, by looking at my statements, that I discovered the debt protection program was being charged monthly. I continued to pay until this past XXXX ( XXXX ). Debt Protection has been canceled and they promised a refund of {$1400.00}. Best Buy advised us on a call they would apply the refund to the promotion and that I would get what I overpaid back. In a later call, Best Buy then advised that the monies would not be applied to the promotion but to the account balance. We requested for them to pull the call and have a manager call us back and they never did. When we called back to speak with them, they never notated it on the account. At one point, we were offered a settlement, which we refused initially to get the debt protection issue resolved. Today we called to settle to get the account closed out once and for all and we were told that no settlement was available. When we asked why, we were told there was no specific reason, only that no settlement was available. To date I have paid {$1400.00} in the debt protection program and for the last 6 months I have paid {$1000.00}. Citi was unable to provide with the total payments made since the account opened on XX/XX/XXXX. I have been advised that I need to write in to get a copy of the statements from the inception of the account, which I will request today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.

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