vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I am writing in regards to my property located at  XXXX   XXXX   XXXX . I have filled many previous complaint with your office.     I received a letter from Nationstar Mortgage dat e  d  XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until  XX/XX/XXXX  to cure the default. If the default it not cured by  XX/XX/XXXX  it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property.     Before I could respond to the letter I got a letter from Nationstar 's atto rney   XXXX   XXXX   XXXX   XXXX   XXXX  . This Letter  is dated    XX/XX/XXXX   a nd states that they are foreclosing on my property listed above.        XXXX   XXXX   XXXX   XXXX   XXXX   's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My   XX/XX/XXXX   statement says that I owe them {$100000.00} to bring the loan current. M y  XX/XX/XXXX  s tatement says I owe them {$100000.00} to bring the loan current. Also the    XX/XX/XXXX  st at es that my payment is {$1100.00} with {$1100.00} going to interest and  XXXX  going to escrow. My    XX/XX/XXXX      statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page  3  of the statements ) that states my payment amount is {$1700.00}.     I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n  XX/XX/XXXX . T hat letter from  XXXX   XXXX  that I received  on 2/14/11  stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from  XXXX   XXXX  should also prove that  Statue of Limitation  to Collect on a promissory note has expired.     I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that  one  loan for my  1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures?     Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This company closed my account arbitrarily in   XXXX   XXXX   soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my  XXXX  report that is dated  XX/XX/XXXX  I should n't be punished for a company 's bad policies that have nothing to do with the current customer as they acted in bad faith with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.

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
Consumer complaint received 2017-04-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.

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
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I recently entered into an income base payment plan with Navient. On  X/XX/17   , I received correspondence from them stating that my application had been accepted, and that my first payment of {$210.00} would be due  X/XX/17   . When I logged on to verify this information, my account was showing up as past due. I contacted the company at least a dozen times to get this corrected.On  XXXX , I spent over two hours on the phone with representatives and supervisors alike who told me they were very sorry for the trouble but were unable to help and that unless I paid the payment of {$720.00}, that my loans would be in default and that the late fees would increase. I confirmed multiple times that this amount would bring me current and that my next payment due would be {$210.00} on  X/XX/17   . I took out a loan and paid the payment   XXXX    . I logged back on to Navient to confirm that my payment was {$0.00}. I took a screen shot. This morning,  X/XX/17   , I logged back into Navient to see if my next payment amount and due date had updated. Now it was showing a payment of {$97.00} due  X/XX/17   . Completely confused, I called them once again. I was told, by a representative and a supervisor, that the payment due was a late fee and that it i actually due on  X/XX/17   . I asked why I was not given that information last week, and why the due date on the website was a month later than the one provided to me on their automated system, and was offered no reasonable explanation. The bottom line is that if I had n't called Navient to explain this charge, I would 've reasonably expected to pay {$97.00} prior to  X/XX/17.  And what would have actually happened, is that I would 've logged on to see more late fees, and a missed payment. Navient has consistently provided false information on their website as well as through their representatives. I have a full time job and children, and not only do n't have the time, but should n't be expected to log on and call Navient daily to make sure I have the most current information regarding amounts and due dates on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX   XXXX  card : I am putting my complaint first and the wording from  XXXX   XXXX   XXXX  . The whole miles program is a scam that needs to be STOPPED. They do not count miles or even care how long your flight is. They giv e 1-7 CENTS for every dollar charged,    but usually 1c.
Example from below- 30,000 mil  es ( the earth is  XXXX  miles around ) should give you a ticket around the globe right? Nope its {$300.00}.     How is this not intentionally misleading? Classic bait and switch meant intentionally to mislead with an image   of one thing while saying something completely false.
I have no hope that our corrupt " Protection Bureau '' will do anything but bury this since they had to approve it in the first place, but it is wrong   ; and a lie ; and should be illegal.   Maybe this will get posted someplace and it will help someone out.     Bogus offer below- Welcome Bonus Offer : Earn  XXXX  bonus miles after spending {$1000.00} in eligible purchases on your new Card in the first 3 months2 Plus, earn a {$50.00} statement credit after you make   a Delta purchase with your new Card in the first 3 months3 Pile up the miles : Earn up to 7 miles per dollar spent on Delta flights purchased directly with Delta on your Card- that 's 2 miles with your Card and up to 5 additional miles4 as a SkyMiles member.
Earn 1 mile for every eligible dollar spent on purchases with no mileage cap 5 Earn    unlimited miles miles do n't expire!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Credit Bureau  Systems Inc.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA )  to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that th e HIPAA d oes allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Credit Bureau  System Inc need s to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA com pliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$170.00}  XXXX / XXXX /  XXXX   amount {$860.00}  XXXX / XXXX /  XXXX   amount {$130.00}  XXXX / XXXX /  XXXX   amount {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
A few weeks ago I checked my credit report and noticed a collection placement for Professional placements for  XXXX   XXXX  for {$160.00} I never received a collection letter from them, as far as I was aware it was with another collection agency State collections who closed their account and removed it from the credit reporting agencies I have sent  XXXX  letters to Professional placements, via fax and Certified mail both have gone ignored. I have also. disputed said account with the credit reporting agencies.   XXXX    deleted, however  XXXX  and  XXXX  both verified.     They are in violation of Fair Debt Collection act and I wish for them to remove the entry on   XXXX   and  XXXX . I do have copies of all communication sent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / XXXX  I sent a certified letter to Diversified Consultant,  XXXX    XXXX   XXXX    XXXX   XXXX  FL  XXXX  regarding  XXXX   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of that I want to inform that the same debt was already dispute with  XXXX   XXXX  and fully deleted on  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient will not provide to me their criteria for Cosigner Release . I am looking for specifics on which credit criteria they use and what ranges are acceptable ( e.g., debt-to-income ratio  40-50 % ).    I 'm specifically interested in what, if any, ranges  Navient uses to approve Cosigner Release in the following   categories : Debt-to-income, utilization, payment history, derogatory marks, age of credit history, total accounts and credit inquiries.     I want to be able to make an educated decision and avoid an unnecessary hard inquiry on my credit, which is why I am requesting this information be released to me. This way, if I 'm not going to meet the credit criteria, I can apply in the future when I am eligible rather than wasting everyone 's time.     I submitted an email through their correspondence system on Wednesday,  XXXX   XXXX  requesting this information. On Thursday,  XXXX   XXXX ,  XXXX  from their Office of Customer Advocate reached me by phone. First, she claimed such criteria did not exist. Then she acknowledged it did exist but that there was no way she could give it to me. Seeing no further cooperation from her office, I told her I 'd be seeking regulatory relief through CPFB and my Attorney General.   That call was recorded - if necessary or helpful, I authorize the release of that phone call on my behalf for use in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , I called  XXXX  to have my telephone ( land line ) disconnected. As can be seen in Exhibit #  1,  the charges for the next month were not due until  XXXX   XXXX ,   XXXX  . However, by  XXXX   XXXX , the line had not been disconnected and the charges became due. I had to call  XXXX  again to have the line disconnected.     The following month, I received a bil l ( Exhibit # 2 )  showing that my account was delinquent. I called  XXXX   ( one  of their countless, undertrained & incompetent representatives ) to complain that it was their negligence, not mine, that had caused this mistake. ( At the time of this call, the representative refused to let me speak to a supervisor when it became clear she did not know what she was talking about ). They refused to make any changes and I refused to pay the bill. In  XXXX , I received yet another bil l ( Exhibit # 3 ).      Also, later in  XXXX , I received a collection notice from  XXXX   XXXX   XXXX   XXXX   ( Exhibit # 4 ).  In response, I sent a let ter ( Exhibit # 5 )  explaining why  XXXX  was in error and that I refused to pay the bill.     There the matter rested until this month, when a routing credit check revealed that that  XXXX  had reported my account as a delinquency  ( Exhibit # 6 ). As a  result, my  credit score  has plummeted from  XXXX  ( in  XXXX ,   XXXX  , I purchased a new car and was told that my credit rating was " the gold standard ''  )  to  XXXX   ( Exhibit # 7 ) . This is a result of  XXXX  's vindictive pursuit of a debt I do not owe.     I would appreciate any assistance that could be provided in removing this stain from my credit rating.      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 2017-04-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Accepted a student loan for the spring of  XXXX  on  XXXX   XXXX ,  XXXX . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX , I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in  XXXX   XXXX  stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  Nelnet  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In  XXXX   XXXX , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in  XXXX   XXXX , and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the  Dept. of Education  did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in  XXXX   XXXX , despite me making a timely payment. So I sent another one. I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XXXX / XXXX / XXXX , and they said they are still reviewing the information, and I should hear back in a week.

Company response to consumer: Closed with explanation