vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
My credit report shows that I have a collection fr om Credit Management rep resenting  XXXX   XXXX   XXXX . Account opened  XXXX   XXXX  balance {$180.00} I have not had a cable service since  XXXX  .I m oved to California in  XXXX   XXXX . I just ordered cable service last month for the first time since  XXXX . Not  XXXX   XXXX   XXXX . My cable account was closed and paid in full over and cable box was turned  in seven yea rs ago with  XXXX   XXXX   XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used  XXXX   XXXX   XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened  XXXX   XXXX . I cant have a debt from  XXXX   XXXX   XXXX   XXXX  on report that is o ver seven   years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: CA

Complaint narrative:
1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I obtained a car loan thro ugh Santander Consumer c ompany on   XXXX   XXXX   XXXX     a  XXXX   XXXX  My fist payment was due on   XXXX   XXXX   XXXX   I made my  1 st.  Payment on   XXXX   XXXX   XXXX   2. Payment on   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX    5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   Santander took my  XXXX  payment that was intended for  XXXX  Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection.  Santander  should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with  Santander  is  XXXX  % and the rate I was offered prior to the lender contacting Sandtander was  XXXX  % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mitsubishi Motors North America, Inc.
State: PA

Complaint narrative:
I had this car for a year-and-a-half ago I purchased th is in  XX/XX/XXXX  or  XXXX  2015. Night even a year in  XX/XX/XXXX  my brakes was bad. I took it to a private mechanic. And he said every y ear I have to change the brakes. Instead of going to the dealership because it 's not under warranty. And I do n't have that kind of money to go to the dealership I still coated me {$500.00}. So this year I have to replace my brakes is even close to  two years I do n't understand why do I have to replace the brakes is not my fault only drive  in  XXXX  that 's the only place tha t I drive bu t I have to keep replacing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
your company failed to provide the required notice of additional required documents within  XXXX   (   XXXX  ) business days in violation of Regulation X,  XXXX  C.F.R.  XXXX  ( b ) (  XXXX  ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X,  XXXX  C.F.R.  XXXX  ( c )  XXXX  iv ).

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 2017-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in  XXXX    XXXX   by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is  XXXX   XXXX   XXXX , the property location was  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I took out a loan with  XXXX   XXXX  ( now Navient ) in     XXXX   for {$10000.00} for  XXXX   XXXX   XXXX  A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  the years I have had endless fits with them. I 've gone through unemployment and low income periods and they 've never worked with me other than putting me on a forbearance which I now know has done more harm than good. I 've been hung up on numerous times over the years. In the beginning I paid them $   XXXX  , but the past  XXXX  years I 've paid them $  XXXX . Out of that {$200.00}, {$130.00} goes to interest  (  12.1 % ) I 've talked to them about getting in lowered and nothing gets resolved. I 've drained my savings accounts just to try to pay this back and I feel like I 'm not getting anywhere. After   XXXX   years, my remaining balance is {$140000.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: DE

Complaint narrative:
Money was taken out without my authorization in the amount of  XXXX  dollars a transcation transcation of  XXXX  in  XXXX  Delaware and one for  XXXX  in Wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I returned an item to a catalog company called  XXXX   XXXX . They had to refund my money by check instead of putting it back on my credit card. At some point in the mailing process someone got their hands on the check and cashed it signing their name to it. I called the bank to report the problem and they told me to call   XXXX   XXXX   that they could not help me, nor do they have a fraud department I could speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2017-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company has repeated refused my efforts to have them remove fraudulent information from my credit report. The company was provided with a move out statement that showed no money was owed.  National Credit Systems   responded by sending me a copy of a fraudulent renewal lease with mismatching dates and forged signatures. Additionally they continue to verify this fraudulent information as correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to 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