vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. 

The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. 

They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. 

I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax and XXXX are NOT reporting or do NOT have accurate and current data on my VA Home Loan with XXXX and it has caused a XXXX-XXXX point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting XXXX a count which does not belong to me in about of {$1200.00}. This is not mine. I disputed it with XXXX and they did agree and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XX/XX/XXXX. I had printed a credit report in XX/XX/XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my equifax credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my XXXX credit report in XXXX of XXXX, I was informed that the date was changed to a time in XX/XX/XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra XXXX years to have items removed from my XXXX credit report when its was verbally expressed and stated on my equifax credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i sent Equifax a dispute on XX/XX/2015 . that I was a victum of  identity theft, fraud, etc. I sent them a copy of what was incorrect and they sent me a generic response of a letter stating that the information is factual record of file access. No its not why would I have to contact the creditor directly. Please remove the inquirys in question off my report  I want this researched and removed. if there is anything incorrect on your report we are suppose to the advise the credit reporting immediately and I did and per the fcc rule this information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
This was started when I inquired to do a home-based business for {$99.00}, which was a joke. Then it lead to XXXX contacting us. XXXX said when we sign up with them, we would be getting calls from other people. We were slammed with a multitude of companies for several months and harassed to the point that we regretted signing up. XXXX told us that they would provide us with a successful XXXX business and a custom website. When in fact they have done nothing more than rip us off to the tune of {$13000.00}. 

XXXX XXXX and XXXX XXXX promised that we would receive the best training and support to have a successful online business. We participated in the " coaching '' and did everything we were told we needed to do and made little to no money through XXXX. 

When we got down to the " custom '' website instead of being built by your professionals and customized to our satisfaction as sold we found it was the complete opposite. We spent weeks trying to figure out the logistics on our own with little support doing most of the customizing on our own. By the time the site was built 8+ weeks later it was a complete disappointment given the time it took and effort required on our end. Had this been disclosed upfront we never would have paid them. The " marketing '' efforts done for my site as supplied by you were XXXX links and every XXXX link that we checked was bogus, e.g., blog was in XXXX, blogs made by non-existent people that used bad grammar, posts were found on blogs that had nothing to do with our business. When this was brought to their attention our site was moved from XXXX to XXXX and the $ XXXX month fee was dropped to $ XXXX.We could go on and on about the fact that they shared our information or a host of other issues but what it comes down to is that XXXX deceptively sold us a bogus online business opportunity and I am trying to dispute my charges made on my US Bank card since they did not provide the services that they made me believe that I paid for.

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 2016-08-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Assured Financial Partners
State: TN

Complaint narrative:
The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
For starters, I am concerned about the very high interest rate that I 'm currently paying on my mortgage with Green Tree ( 11 % ). I was told that this is considered a predatory loan and since my loan was not originally taken out with them but was transferred without my knowledge or control, I am eligible for a lower interest rate, refinance or modification. Unfortunately, Green Tree has denied each of the said requests. Whenever documents are submitted they conveniently lose them or say that they never received them. Customer service is horrible with this company! I recently submitted a letter of request to have my escrow account deleted as I will pay my property taxes on my own and to date, they have yet to respond or honor my request. I would like information on how I can get out of this loan and refinace my home for the {$43000.00} plus amount that I currently owe at a much lower interest rate and principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.

Company response to consumer: Closed with explanation