vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: CO

Complaint narrative:
MY LOANS WITH XXXX WERE APPARENTLY TRANSFERRED TO THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY ABOUT XX/XX/XXXX. IM NOT SURE IF THIS IS A LEGAL PURCHASE OR TRANSFER.

.

FURTHERMORE, MY FEDERAL STATUS FOR THE LOANS WERE AND HAVE BEEN IN DEFERMENT OF FORBEARANCE THE APPROVED APPLICATION FOR SAID DEFERRED PAYMENTS THRU XXXX XXXX  PRIOR AND DURING THE ENTIRE YEAR OF XX/XX/XXXXAND PRESENTLY TILL XX/XX/XXXX.

UNDER FEDERAL LAW, THAT WOULD MEAN THAT THE COLLECTIONS OR DEFAULT PROPAGATED BY XXXX  IS A ILLEGAL ACTION BY THE STATE OF KENTUCKY AGENCY ATTEMPTING TO OVER-RIDE FEDERAL DEFERMENT OR FORBEARANCE PROTOCALS THAT RELIEVE THE PAYMENT SCHEDULE WITH THE STATE AGENCY.

I NEED YOU HELP IN REMINDING THE PEOPLE AT THE KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY OF THE FEDERAL MANDATE THAT PLACES ALL LOAN DEPTS,,, ,FEDERAL AND STATE IN TO CURRENT DEFERRED PAYMENT STATUS ACCORDING TO THE DEPT OF EDUCATION RULES FOR DEFERMENT OR FORBEARANCE OF ORIGINATION OF FEDERAL STUDENT LOANS WE HAVE THE DOCUMENTATION NECCESARY TO IMPLY THAT THE PURCHASED FEDERAL LOANS OR GUARANTEED ASSISTANCE FROM XXXX IS AND WAS IN DEFERMENT OF FORBEARANCE THEREBY REMOVING THE COLLECTION AND THE DEFAULT STATUS THEY LISTED WITH PREJUDICE AT THE DEPT OF EDUCation and upon my curent credit report in summation they have provided a illegal action upon my accounts and face a federal complaint toward there actions here is the account information, and of course, i can supply the federal documentation to imply forbearance of deferment to aleviate the false collection /late payment process upon my dept of education default status. the fact remains that i worked with XXXX XXXX without XXXX and the kentucky higher education assistance authority knowledge because navient failed to inform them of the proper services and XXXX   arbitrarily assigned itself above federal laws in place to apply a late payment status at XXXX   and the dept of education itself.

REGARDS XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TWO ACCOUNTS BEGINNING WITH THESE NUMBERS, KY HIGHER EDUCATION AA View All Accounts Previous Next Details Account # XXXX Original Creditor XXXX XXXX  Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Usage - Balance {$57000.00} Balance Updated XX/XX/XXXXOriginal Balance {$44000.00} Monthly Payment - Past Due Amount {$57000.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: MI

Complaint narrative:
On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: NY

Complaint narrative:
I'm a victim of identity theft someone got my information and opened up accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. 
I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions
State: MO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from JPL Recovery Solultions left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm a victim of identity theft someone got my information and opened up accounts in my name

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 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Around summer of last year ( 2017 ), me and my spouse had gone to BMO Harris to open a joint checking account in which we would pool together our funds for living expenses. Despite having known that we were both still XXXX XXXX at the time, the banker had opened a heavily fee-associated joint account for the both of us. Being XXXX, our account was not always well-funded, even though we had pooled all of our expenses together and used the account for rent and other heavy expenses. We soon found out that the {$35.00} NSF fee that had been continuously charged to us despite us not engaging in overdraft activities were piling up, and too much to bear.

One specific incident where the fee was charged and the transaction returned, however, has caused significant damage to my then-good credit score. Last XX/XX/XXXX, I had made a credit card payment of {$25.00} to XXXX XXXX XXXX, which was a very routine situation as I make 100 % of all my payments on time. The payment had even shown up on my XXXX XXXX   transactions the next day. However, two days later, the transaction had been reversed by BMO Harris because my account was in NSF standing, even though I had intended to make a payment immediately. Instead of giving a 24 hour grace period like most banks, however, BMO Harris had reversed my last transaction. This in turn resulted in a missed payment with my XXXX XXXX credit card, an additional fee of {$35.00} f

rom BMO Harris, and a significantly dropped credit score. When I decided that the banking relationship with BMO Harris that I
had was too harsh for my situation as a XXXX, I had gone to a branch office physically to close my account, as XXXX XXXX had offered better financial buffers for XXXX XXXX. At that time, in an effort towards retention, the banker had told me that they could switch me to a XXXX account instead, though our accounts should have reflected our XXXX status from the start.

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 2018-03-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien.

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt.

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
For many years, I have been on an automated student loan repayment plan with Navient, where they withdraw {$70.00} each month from my bank account. This month the loan was finally fully repaid on XX/XX/18, with the last payment slightly reduced to {$70.00} to reflect the last remaining amount on the loan that was actually due. 

After this months payment posted on XX/XX/2018, Navient showed I still owed a balance of XXXX cents on this loanand that they had scheduled another $ XXXX payment to be withdrawn automatically from my bank account next month. If I had actually still owed XXXX centsthen the amount they should have withdrawn this month for my last payment would have been {$70.00} XXXX still XXXX cents less than my normal monthly payment ), and resulted in a zero balance. 

I can only guess that having their system erroneously reduce the normal payment on what should have been my final payment for the sole purpose of producing a small amount still owed on the account apparently allows their system to attempt to fraudulently withdraw a full payment ( clearly no longer owed to them XXXX next month from my account. 

If I hadnt caught this, who knows how many more months they would have unjustifiably generated a small balance still due on my account for the purpose of continuing to fraudulently collect a full monthly payment no longer due to them from my bank account through their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: UT

Complaint narrative:
LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: FL

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX CARD - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My daughter leased a car and I co-signed through a dealership. GM Financial financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out GM financial had reported a late payment. Through many calls and emails between the dealership and GM, after GM tried to blame the dealership it was discovered and proven that it was a mistake that GM made. Every time I try to find out why our credit is still not fixed after 2 months GM basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My complaint regarding my student loans, that is now with Navient, and would like to be part of the XX/XX/XXXXclass action lawsuit against Navient. Every since they took over from XXXX XXXX  after XX/XX/XXXX I have had a problem making payment on my loans. I was able to make affordable payments with XXXX XXXX after a graduated with my XXXX in XX/XX/XXXX. The attached sheet shows total amount of my loans of approximately {$58000.00} inXX/XX/XXXXfor both theXX/XX/XXXX andXX/XX/XXXXat XXXX XXXX university. During the time XXXX XXXX had the accounts, I had no problems even when I was unemployed, they worked with you. After Navient took over, it has been horrible. Because I am a XXXX, I may work 3-6 months and when I am not employed, I would request a lower payment, however they would say that I could not get a lower payment because of the amount of the loan, and I would have to take a forbearance, which has ultimately because of the continuous interest, increased my payments to over {$800.00} a month ; which I can not afford As of last year when I was unemployed and only receiving Social Security benefits, I had to take a forbearance. The new balance for XX/XX/XXXX will be {$880.00}. Hopefully I can get some help regarding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien. 

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt. 

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: FL

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of authorizing : XXXX : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX TRANSUNION : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I may be a victim of identity theft.

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 2018-03-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them

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