vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. <P/>In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. <P/>Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. <P/>What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. <P/>In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. <P/>PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. <P/>Please take action. <P/>Sincerely, XXXX 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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Numerous letters and appeals to SPS Servicing requesting loan modification or reduction in mortgage payment as I 'm financially strapped. They send the same paperwork repeatedly after I 've completed and faxed to them many times. They continue to say this is in process after 7 months. Calls have been placed, with the same statement of completing paperwork that was previously completed & faxed. They have my condo listed as vacant, I live here. I 've provided utility bills as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have tried to get a n Opportunity account with Wells Fargo bank - my employer. I tried to get one last XX/XX/XXXX in XXXX, AL. and to day in XXXX AZ. - both with WFB. <P/>this account is advertised for people with bad credit and bad history with banks which is me. <P/>they always got to a credit reporting agency and the info gained there from denes me the chance to open another bank account with my employer ... WFB.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Original company : XXXX XXXX ( {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

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 2017-07-11 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: DC

Complaint narrative:
Approximately X/XX/17 I noticed that my interest rate had been raised, and contacted Navient to discuss. They stated that my 1 % interest rate reduction awarded after 3 years of on time payments was being revoked due to a missed payment. I stated that I wanted to talk to a manager because I had signed up to change my direct withdrawal from one account to another, and had put money in both accounts to ensure it would be paid. Navient failed to withdraw money from either account. As I was on my honeymoon out of the country I did not check immediately if the payment had been withdrawn, but upon seeing this I called and immediately paid the amount due. I believe that the company has confusing, possibly intentionally confusing, approaches to setting up to move the withdrawals from one account to another, in order to trick customers into missing payments. The change in rate will cost me approx {$400.00} per year in the short term. I have been making on-time payments, without fail, for over ten years, and I believe I had set up the account to continue to withdraw from a new account. The representative came back from putting me on hold and told me that she could not let me speak to a manager, but instead had submitted my information to them, and that I would receive a " decision '' from management, within 10 days, by mail. I never received any letter or answer, and I continue to be charged the higher rate. During the whole period the company had bank information from both accounts, the old and the replacement account, but claimed that somehow I had not initiated the withdrawals from the new account. I believe that they are acting in bad faith and that furthermore they are being either sloppy or dishonest in promising to respond to my request to have the lower rate reinstated, and failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Since my student loan accounts have been taken care of by Navient, every time I have tried to get on some sort of repayment plan based on income, they have pushed me towards forbearance or deferment. Because of this my loans have racked up a lot of intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX college mislead me, i was supposed to earn a " complete " diploma upon completion of the XXXX XXXX course, however after completing the course with XXXX XXXX i heard from multiple employers that i needed to take additional courses to obtain a XXXX XXXX position. Unfortunately i encounters around 18,000 of debt from the XXXX course. And immediately after completing i became unemployed for months and months i never received advice or options for repaying the loan during my time unemployed i was only offered forbearance agreements which lead me directly to collections and I am so lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I want a copy of my mortgage promissory note with the foreclosure stamp that Wells Fargo 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 2017-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
I contacted this company and requested proof be mailed confirming this debt they are attempting to collect is truly mine. I contacted them in early XXXX of 2017 and they hung up on me when I requested this proof of debt. My father passed away late XXXX and the harassing phone calls continued, they not only called me, but my boyfriend, my boyfriends mom, my sister and brother. They call from different phone numbers and show up as robocalls. 2 numbers they have used are XXXX and XXXX. The latter number states they are Northwood Asset Management Group. I do n't know how they got my families phone numbers, I do n't appreciate the harassing phone calls nor the failure to provide via mail proof that I owe this debt. I 'm seeking assistance in stopping these harassing phone calls. My next step will be a cease and desist letter and contacting an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ca n't give me the report in 2017 XXXX I fax their my san card id many times still can not buy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I disputed 2 collection with the 3 credit bureaus and also sent a debt verification letter to Cavalry. They responded by sending me one statement showing 1 statement for XXXX XXXX, reference # XXXX, but did n't send the original terms I entered into an agreement in XX/XX/XXXX. I specifically asked for the same terms for the other account they are trying to collect on which is XXXX XXXX XXXX  reference # XXXX which I never got a response from after my first debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System INC. put a collection of {$610.00} on my credit report from XXXX XXXX XXXX XXXX. I dispute this debt to the fullest.

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