vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LOAN TO LEARN
State: DC

Complaint narrative:
In XXXX I realized that I had negative credit reporting from Loan to Learn. I called the number on the credit report which lead me to XXXX XXXX ( collector for loan to learn ) I asked what I owed and why I had not received notification that I owed a debt. XXXX XXXX stated they did not have an account on me and gave me the number to Loan to Learn ( XXXX ). I called Loan to Learn and spoke to the rep and was told that I have one outstanding loan balance and that the law firm was collecting on it not XXXX XXXXXXXX and that is why I had not heard from them. I contracted the law firm ( XXXX ) and was told that they do not have access to the account to collect. I stated that this was being reported to the credit bureau and that I needed a resolution. They stated they are not reporting the account and they could contact me when they could collect. I waited for a call back never received one. XXXX I received notice again that I had negative credit reporting, I called loan to learn ( XX/XX/XXXX ) back and was told that they would reach out to the law firm and they could contact me. When I did not hear something, I called back on XX/XX/XXXX. I requested to know a status he said if they dont call you back tomorrow I will. I asked about my credit report he stated well you signed the loan documents we have the right to report. I stated I have never received so much as a bill he stated they did not have to give me one I know I owe the money. I asked when the last communication was sent out he stated that it was sent out in XXXX I stated I was under bankruptcy then and did not have to pay since they were included In the bankruptcy. I stated that I have not received anything since. He stated that they may not have the documents to show they have contacted me because things get purged but I knew I took out the loan. I asked for the most recent notice he stated they have not sent one but they still have the right to collect because I signed the loan docs. To date I have not received anything, I know they know my address because it was public record during the bankruptcy. I also know that they have my phone number I called everyone involved in XXXX. To date no one with the ability to collect a payment has contacted me and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent Capital one bank several letters asking for proof of this item being mine. They keep sending me letters requesting the same documentation that I have sent to them. I need this Deleted off of my 3 credit reports because they do not have any validation of this account being mine. original signed documentation with this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
We took out a lease on a 2018  XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle inXX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XXXX ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to Equifax and XXXX XXXX, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I applied a loan with Big Picture Loan of {$1000.00} with the company and was approved on XX/XX/2018. When I discovered that the company applied a 183 % interest rate to the Loan I called them to cancel and reverse the Loan payout from my bank account. I spoke with an employee named XXXX on a recorded line, and was told to allow 2 business days for the amount to be reversed. On XX/XX/XXXX I reached out to the company, spoke with XXXX and was told my bank declined the transaction which I know is not true. We had 3 way call myself, my bank representative and XXXX an employee of Big Picture Loan company and the bank confirmed that they have the correct acct information to debit my acct and also stated that no attempt was made by Big Picture Loan to take out the cash neither was any transaction declined. I called big Picture Loan severally to get the matter resolved but they kept telling me their support dept will look into it and get back to me, which they never did.Rather they sent me an email that my first repayment is due by XX/XX/2018 even when it was obvious that they are using a delay tactic. I called Big Picture Loan on XX/XX/2018 to make the payment with their customer service which they declined..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent investigation requests to XXXX  and Trans Union, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. 
I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. 

Please help 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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I do not owe XXXX XXXX a balance {$420.00} XX/XX/2014, which was falsely reported on my XXXX report. This is a fraudulent request and doesn not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CO

Complaint narrative:
We took out a lease on a 2018 XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle in XX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XX/XX/2018 ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
There is a letter attached that explains my dilemma and the substantiating paperwork. Additionally what is briefly indicated in the letter is a prior complaint I had as it relates to their not honoring the extension promised after I paid all the late fees. I included copies of the confirming fax that I sent several times which claimed to have not received. I spoke with several representatives as indicated. There seems to be a systematic web of deception. 

This complaint is regarding my car having been repossessed and retrieved by me. They are still claiming I owe two payments. I have attached the proof that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Our loan was transferred from XXXX XXXX to Flagstar Bank in XX/XX/2018. I called the bank to see where we needed to send our payments. The representative I spoke with told me that we had a 60 day grace period during which we didnt have to make our payments because there would be no late fee or penalties. I asked multiple times if XXXX and XXXX payments would be due when it came XXXX and he assured me they wouldnt. He also assured me that we wouldnt be penalized for those payments later on, none of that information was correct. We are now two payments behind and have been trying to play check up ever since. This all couldve been avoided if we had been given correct information to begin with. Weve had our mortgage for three years with no issues at all but weve literally had problems nonstop since the day our loan was transferred. Im beyond fed up. We are now charged a fee monthly on our bank accounts at XXXX since our mortgage isnt with them anymore which isnt fair at all because we had no say in this transfer. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. Well we definitely feel like collateral damage to say the least.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I have been attempting to contact Money Lion for 10 days. I have been sick in the hospital and did not receive a paycheck today. They did not respond to me until the day before payment was taken, and they told me I needed to notify them 3 days in advance ... which i did but they didnt respond until 1 day. Then I asked about why my investment account is negative {$80.00}, when there should be at the very least {$100.00}. The one person advised me I took a payout, i advised him I did not take a pay out and I need them to look into it. They did not get back to me, so I did a chat with another representative who then kept copying and pasting things about the stock market without ever even looking at my account. So now I am negative {$200.00} because this company couldnt be bothered to respond to me 10 days leading up to my payment, then they refuse to give me a solid answer as to where my money in my investment account went.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Bank had an offer that on opening a new account and depositing {$15000.00} or more within 30 days and maintaining the balance more than {$15000.00} for 60 days ; they would give {$400.00} bonus and it will be added to the account within 90 days after all the requirements are fulfilled. 

I opened the account around XX/XX/2018 and deposited more than {$15000.00} on XX/XX/2018. I maintained that balance for more than 60 days ( for more than 5 and half months as of now ). So, I have fulfilled all the requirements of the offer and Citi bank has also confirmed that. I should have received {$400.00} before XXXXXX/XX/2018. However, as of XX/XX/2018, I still haven't received the {$400.00} bonus amount. 

I contacted the bank multiple times and have opened a ticket for more than 2 weeks now as well and they still haven't resolved the issue or provide any further update on the issue. They still don't have a clear timeline when I will receive the bonus amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2018 my lawyer sent a complain to Experian regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. Experian then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from Experian stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AE

Complaint narrative:
I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. 


My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. 


Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX   XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX   XX/XX/XXXX 104 KB  XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB   XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX  RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB   XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB  XXXX RE : Payment Received XX/XX/XXXX 59 KB  XXXX RE :   Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: VT

Complaint narrative:
I am a XXXX University XXXX XXXX XXXX ( XXXX ) alumni and was there from XXXX-XXXX. I am having what I think amounts to a financial crisis and could use your assistance. 

I received all federal loans for my XXXX education, as recommended by XXXX, never with any private loans. 

In XXXX-XXXX, I received federal student loans through the FFEL program. In XXXX and XXXX I received " direct '' federal students loans. 

My plan since graduation from XXXX in XXXX has been public service loan forgiveness. Everything has been by the book. I have been in income based repayment since then, working at qualified employers ( I have submitted several certification of employment forms to the PSLF folks and have been on track ), and never missed a payment. Thus I was expecting my current ~ {$280000.00} in XXXX   school debt to be forgiven in approximately XXXX. 

I was on the phone with PSLF folks earlier today, just checking in that all was on track, and was told that the FFEL loans from XXXX and XXXX did not qualify for PSLF. This is ~ {$140000.00}. I was told that I could consolidate the FFEL loans to direct loans, but that I would then have to make 120 monthly payments all over. This would mean the last 7 years of IBR payments ( with interest accruing ) were a complete waist and I would have to start over. Thus {$140000.00} in loans I thought were going away in XXXX would be growing and not eligible for PSLF until XXXX at the earliest. This is a huge deal financially. 

I feel I have been completely XXXX financially. At no point was I made aware that FFEL loans were ineligible, not from XXXX, Navient ( my current loan servicer for the FFEL loans ) ; not until I called 7 years later and checked. If I had known to consolidate to direct loans in XXXX I would have done so, but now I have been making payments on the FFEL loans that are ineligible for PSLF. 7 years lost, which is probably multiple {$10000.00} 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Equifax, XXXX, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX XXXX Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation