vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
After a few years on unstable employment, I defaulted on my federal student debt and once able, I rehabilitated by debt through a Repayment Agreement Under the Loan Rehabilitation Program Supporting Request for Deletion of Derogatory Credit Rating Previously Reported By the Guarantor for Loan # XXXX - Account # XXXX. The agreement clearly states in Section ( 9 ) the removal of the default and a new entry for the rehabilitated loan. 
The XXXX. failed to fulfill Section ( 9 ) of this agreement. 
The XXXX rehabilitated loan payments required to rehabilitate the loan were made as of XX/XX/2015 and the loan guarantor has failed to notify the national credit bureaus of the deletion of the " derogatory credit rating '' as stated in Section ( 9 ) of the agreement. The defaulted entry was not cleared, instead it was updated to a derogatory credit rating. 
I have been writing to clear this inaccurate and non-relevant information per the agreement from my credit report since 2015 based on the language of the agreement with no success. This reads as a clear breach of the agreement written by my loan guarantor which I agreed entered into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, 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 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XXXX filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is 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 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
In XX/XX/2015 Syndicated Office Systems Reported several collections to the various to the XXXX credit bureaus under my name and social security number. I disputed the debt and it was removed only to appear again under the name Central Financial Control which is the DBA FOR Syndicated office systems. After years of continuous fraudulent validation XXXX has removed all of these accounts but thus far XXXX and XXXX have validate these accounts. Over the past several years I have been turned down for loans, credit cards and possibly refused employment due to these fraudulent entries. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I was gifted a home. The.previous owner passed away XX/XX/XXXX. A month ago a man came and gave her papers saying there was almost {$400000.00} owed on a metlife home mortgage from XX/XX/XXXX & house is going to auction XX/XX/XXXX. It 's impossible. Before previous owner passed he was very organized and.kept extremely detailed records of everything. He owned multiple homes and.properties in XXXX, XXXX and XXXX. Also he personally helped multiple people out when they were at risk of losing there homes he bailed em.out and they made payments to him. One person specifically owes him a substantial amout of money & filed to start a buisness under the name and address of the.deceased prior to death. It is possible that this same person is the one that indeed took this reverse mortgage. I have paperwork.for multiple mortgages a in.the same time.period with this person being added to the deeds. There is so much I cant even.begin.to explain. But there is documentation to.back.up what I saying. And the conservatives took over my friend the deceased property and stopped making payments then tried to.have.me evicted which was thrown.out of court then in turn files probate and abandoned the home and never notified me of anything. They.new I lives here the.previous owner is the.one that told them.to.let.me move.back.home and to.dismiss the eviction they had placed on me. Its absolutely devastating what these people multiple people did to.my.elder my friend up to his death.and.now years later they.are trying to take the home that was given to.my grandson.and.myself. Another thing the property is only valued at approximately {$150000.00} @ the time of the loan why would any.mortgage company loan. {$420000.00}. & I have the starements showing every single month.payments were being made up untill the.conservators took control.of his bank.accounts. And if there really was this money.owed why.would n't it be paid off in.probate he had top notch insurance and more than {$200000.00} in multiple separate accounts and owns multiple properties. Please help me.my.home.goes.to auction at XXXX and nobody seems to.care that people are defrauding elderly and mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I am trying to get an agent on the phone from Dietech.com. Everytime I call I get transferred to a mailbox that claims it is full and this is during business hours. I can not leave a mess and am not transferred to another ext. There was atime I left a message and got no return call. This is my mortgage servicing agent and I need to get a person on the phone. I also applied on the web site and it did not work after answering all the questions and now I ca n't redo that either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: Financial Credit Network Inc
State: CA

Complaint narrative:
This collection agency on behalf of XXXX is reporting that I owe {$230.00} for an electric bill after moving out of the apartment. Due to the apartment being uninhabitable due to mold. The mold made me sick and I was instructed by my Physician ro move out. I stop living in the residence in XX/XX/XXXX. I have provided medical and lease information.documentation and they refuse to stop reporting inaccurate information or cancel the charges I did not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCC BUSINESS SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
I was paying on the balance of several XXXX bills due to XXXX ( XXXX separate XXXX within a period of 4 months, All performed at XXXX XXXX XXXX Hospital in XXXX Ar. ) - I paid on them for over 2 years, Then I was contacted that my payment of {$25.00} was not enough! Shortly afterwards- I XXXX and 5 months later had a XXXX.~ I was off work for quite awhile~ and I tried to get them to work with me~ They did combine XXXX accounts into XXXX, but I could not pay XXXX per month. 
I am single - live alone XXXX XXXX XXXX and the only income I have is made solely by me~ After rent, utilities, etc. there is no way I can pay that amount! 
Since then I do have Medicaid, but I do not qualify for any other type of assistance. 
I got tired of the harassing calls ~ I could not have done anything anyway, the payment plan they set up for me was absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Berco Finance Corp
State: OR

Complaint narrative:
I went to XXXX XXXX XXXX and they sold me a car that supposedly was part of a special program that they offer. They told me not to worry about the payment amount and hat the car would have negative equity. that the a was like a loaner car to help us reestablish our credit. we paid for a year and we went back they said that the program that I was talking about does not exist and that the finance manager that helped us is no longer there. If I wanted to trade the vehicle I would have to ay {$6000.00}. we left I called the finance company telling that what had happened and they said sorry so I told them that I do not want he car and for them to come pick it up. 2 months past and on XXXX XXXX I checked my personal bank account the finance company Auto acceptance in XXXX OR took XXXX unauthorized payment form my account. The reason why they have my account information is because I made a one time debit cad payment 3 months ago. They were never authorized to keep my bank information and I never signed anything stating for them to keep my bank information on file. I also checked the car contract and there is nothing stating that they can do anything like what they did and what they did is raud and stole money from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Vision Financial Corp.
State: WA

Complaint narrative:
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: AZ

Complaint narrative:
I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I hired XXXX XXXX XXXX to help me with my fix some items on my credit report that were not mine. After the law office submitted a complaint to dispute the debts some of the debts were taken out of my report because it was verified that none of the accounts were mine, but XXXX remain. One of the collection agencies wrote back stating that the debt was indeed mine and that in order to further prove it was not mine I needed to take several steps which I have but still they insist that I owe this debt. I do n't owe XXXX this debt, I had never had a service with them and I want this to me permanently from my credit report. I went from having a score of XXXX to now no score what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Reliance Exchange Group
State: NY

Complaint narrative:
I was told by this company only told me XXXX.they wont told me who borrowed from or what I owe they wont provide any information and they call me ( XXXX ) and or they do is threaten me being garnish and actually physically threaten me.. They keep telling me I wont pay them but I do n't even know who they are and what I owe. they told me I borrowed this in 2010

Company response to consumer: Untimely response
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Rent Recover, LLC
State: IL

Complaint narrative:
I got so many things in collection that does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recover, LLC
State: IL

Complaint narrative:
I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything

Company response to consumer: Untimely response
Consumer complaint received 2017-03-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.

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 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NPS GROUP
State: LA

Complaint narrative:
I HAVE ALREADY TOLD THESE PEOPLE THAT THE DEBT IS NOT MINE AND THEY ARE CONSISTENTLY CALLING ME FROM DIFFERENT NUMBERS.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This is in regard to Comenity Capital Bank of XXXX, MD, dba PayPal Credit. I was approved for a PayPal Credit ( revolving credit line ) account a couple weeks ago. Each time I have attempted to use my account for a purchase online, it has been denied, which requires a phone call to them. I have spoke to them 9 times now, each time about 30 minutes. Every time they tell me there is some kind of security flag on my account. About half the time they are able to verify my identity using public records, and then the transaction will go through. The rest of the time, they just tell me I have to " wait '' ( no time specified ) because there is nothing they can do to over ride their computer system. Neither of these is an acceptable business practice. What use is a line of credit if you can not use it? No one can tell me exactly what is flagging my account. Regardless, they have verified my identity so many times, and using so many methods, that they should know my entire life history at this point. No one can seem to permanently remove this flag due to it all being computerized, and no one can permanently over ride their over-zealous computer system. And while most of the reps I have dealt with have been friendly and empathetic, no one can resolve the issue. I need this resolved permanently so I can confidently use my approved line of credit during travel and for other purposes. Right now, it 's a shot in the dark each time, and only half the time they have been successful in temporarily resolving the issue. There has go to be someone further up the food chain who can keep these flags from showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...

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