vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.

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 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed AN sent to transunion to remove a hard inquire to XXXX credit card. AN also set to the credit. 30 days have passed with no reason. I told them it 's not me an no response to remove the item nor any info updated.

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never lived in 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 non-monetary relief
Consumer complaint received 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent requests to TransUnion to stop falsely reporting derogatory against me stating that I have an unpaid medical bill in the amount of {$76.00}. TransUnion continues to falsely report information from XXXX XXXX XXXX, # XXXX ( XXXX, VA ) ; stating that this debt is allegedly owed to XXXX. I am a XXXX XXXX XXXX Veteran and have 100 % free medical coverage! This debt could possibly be my son ( I do n't know ) ; he has my name, stayed with me for one year, but has long since moved away. However, we have different social security numbers and birth dates, so this problem can be easily resolved. I have zero medical bills, and I have repeatedly communicated this fact to TransUnion unsuccessfully .... please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I started the process of getting a forbarance agreement on my Wells Fargo mortgage.To reduce my monthly mortgage payment.The reason for request was loss of job.My husband was layed off due to lack of work, he is a XXXX.we were granted a forbarance agreement.Our payments were reduced to XXXX.The XXXX 6 months was a trail period then after the XXXX months of paying payment every month on time it became a permanent agreement.In XXXX of XXXX we declared chapter XXXX bankruptcy.Our home was exempt from the bankruptcy.Our discharged was in XXXX XXXX.In XXXX XXXX when I called to make a payment they told me they could n't accept the payment, The reason they said was they, sent me paperwork and I did n't return it.I never received any paperwork.They took the payment and told me They were gon na send me a new packet and I had to complete it and send it back before next months payment would be accepted.I submitted paperwork they accepted payments up til XX/XX/XXXX.In XX/XX/XXXX I received a paper that I had to go to court cause I was losing my home.I called Wells Fargo spoke to a mortgage specialist she told me I was missing paper out of packet they sent me.I was told ito resubmit paperwork that was missing, after they received the paper I was told to disregard the court date they were processing the paperwork and they would contact me.The paperwork I filled out was a application for a forbearance agreement-when I asked why I had to fill out this paperwork was told it was to up date my account. The notice for me to go to court was given to someone sitting on my front step on a Sunday.XX/XX/XXXX payment was returned to my checking account I was not notified of the returned money til weeks later when it appeared back in my account.When I called about returned payment was told there was problem with paperwork a few days later I received a final judgement from the courts stating i did n't show up at hearing and I was losing my home.Called Wells Fargo spoke to someone about the paper I received.was told to resist missing paperwork and she contacted the underwriter to stop the sale of home.I have been in contact with them for the last few months on a weekly sometimes daily basis.been assigned numbous specialist.Therre still is no resolve every time I speak to a new person there 's a new problem.now I received a paper stating my home goes to XXXX sale XXXX XXXX. They have not accepted any mortgage payments since returned payment in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wanted to get a copy of my FICO credit report as I am about to apply for a mortgage and wanted to know what my FICO score was, as that is the score most often used by mortgage lenders. I happily paid Experian {$43.00} for the credit report, and was automatically enrolled in their credit monitoring service. I knew their credit monitoring service cost money and that you had to cancel it before the 7 day free trial was over. I cancelled it the same day I got my credit report, as I did n't need the credit monitoring service and did n't want to be charged more. I read the fine print, and I followed through on the instructions to the best of my abilities. Two weeks later, I received an email confirming my purchase of a further credit report and informing me that I am still enrolled in credit monitoring services. I have now cancelled twice and am still not sure if it is fully cancelled. One part of the website says you can cancel online by pushing a few buttons and confirming your cancellation. Another part of the website says you can only cancel by calling their number. The confusing and conflicting instructions, predatory withholding of information, and hiding behind small print are appalling from an agency that is one of three credit agencies. In order to get a mortgage - a basic need of many Americans - Experian and the FICO score are necessary. It is shocking that the CFPB has not shut down Experian 's credit monitoring predatory service.

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 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I applied for a loan to have a house built in XXXX 2015, i went threw the whole process and did everything i was suppose to do as far as what was needed from me and what i needed to have at closing. I gave lender all my information that was passed on to the processor and the underwriter. I was notified that my loan was approved but the processor sent me special conditions that i needed to do before i close. i provided everything that was asked of me on the special condition report, but when it was time for me to close, i was informed i was unable to because they could not use my sons XXXX XXXX check that was apart of my income. The company had my file for 4 months and waited to tell me this at the very end after XXXX missed closing dates. I gave my 30 day notice were i was living, moved out my house based on closing date, went homeless for 8 days now with XXXX people in my household. I had to pay for a XXXX truck and keep my furniture in there waiting around on them to close me. After 4 long days I had to return the XXXX and put my furniture in XXXX storages because i have alot of things. They have cost me alot of money, and stress ( XXXX ) on me and my family. They also made me close XXXX credit cards out 3 weeks ago when i was orginally suppose to close and know my score is going to drop hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
equifax is reporting incorrect information. it is preventing me from obtaining a student loan for my child. XXXX and XXXX are reporting correctly and i have letters from the companies that everything is paid. i have no delinquencies. equifax is refusing to send me a copy of my credit report. so i can dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC.
State: NY

Complaint narrative:
I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.

Complaint narrative:
access to my account, online and otherwise, was blocked as the bank issued a new debit card which was sent to my old address. Not hearing from me, the card was inactivated and consequently my access to my accounts was blocked. As requested by the bank I sent a notarised letter requesting a change of address. Tracking shows the bank received this letter on XX/XX/2016. Not receiving the card at my new address, I called the bank who claimed they did not get the notarised letter ( tracking confirms they did ). I sent another notarised letter which they received on XX/XX/XXXX Still I have not received the card to restore access to my accounts. I have called around 10 times and i keep getting all kinds of excuses -- basically, XXXX keeps sending it back to them. I asked them for tracking to verify what they claim -- they have never given me a single one, they claim that the numbers were erased. The address that they are supposed to send the debit card is EXACTLY THE SAME as I get my credit cards/letters from ( they are from the same bank ) and I have NEVER had a problem receiving them here. So why has the bank sent this debit card some 6 times and it never reaches its destination? Why are n't they giving me a tracking number? This situation has created serious problems. I have important purchases to make and I can neither get cash, write a check or use a ccredit card as they are all linked to my debit card! They received my letter with change of address on XX/XX/XXXX -- 3 months later I am still without a card and desperate!

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