vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have spoken to Navient Student loans about my upcoming payment increasing. I am trying to get ahead of the issue and get the opportunity to stay in good standing with Navient on my student loans. They are telling me that there is nothing they can do to lower my loans, so, it ' like setting me up to fail and go into default. There should be some kind of program that they offer ( since they blame every decision they make on the Department of Education ) to allow a student an opportunity to pay less, even it's for a dated time. I am going through a hardship and if I am forced to make a higher payment that puts my housing in jeoparady, transportation in jeopardy, and then my job. I am not asking not to pay, I'm just asking for my loan payment to stay the same for a little longer until maybe I come up for a raise next year. Or something that could assist me to be able to increase my payment some. They make it difficult for students to NOT default. They don't really care if they survive or not, but, in order for a person to be able to stay in good standing, as myself, we also have to survive. Why is it necessary to have such strigient guidelines, it helps no one if the person goes into default. So, I am asking for a review of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , The companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2018-03-16 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: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX  filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX  XXXX AES/PHEAA/AMERICAN XXXX SERVICES TO XXXX ( XXXX  XXXX XXXX XXXX XXXX A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX  balance. Between XX/XX/XXXX and XX/XX/XXXX AES sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I admit that I owe something but the loan amount itself should not be more than {$10000.00} then whatever interest it would have accrued over time. 

Also, the student loan company has taken my tax refund on a couple of occasions. One time it was nearly {$8000.00} The contracts they sent me if they are legitimate amount to less than {$10000.00}, nowhere near the {$30000.00} they say I owe. 

Keep in mind ACT student loans must have sold the rights to consolidate and take over my student loan debt to NAVIENT. 

Either way, these amounts are grossly wrong. 

When I was in college my legal name was XXXX XXXX XXXX XXXX. I changed it legally on XX/XX/2013 to XXXX XXXX XXXX XXXX. This will explain the slight difference you'll see. 

I need to have the unfounded student loan debt wiped out and I need for NAVIENT to correct the debt on my credit report immediately. 

As I stated on our call earlier today, NAVIENT is reporting this debt as {$54000.00} to all three credit bureaus ( XXXX XXXX XXXX XXXX ) making it look as though I had a {$30000.00} loan and I went over the balance by {$24000.00} this is a 185 % debt to credit ratio and has been hurting my credit for years. 

I'd like for ... Navient Student Loan Services to ...

1. Provide copies of all student loan agreements/contracts that they say I signed for a total of {$30000.00} 2. I'd like for the true amounts to be recalculated and interest on the new balance corrected for the past 26 years 3. I'd like for my credit reports to reflect all true and factual numbers 4. I'd like for my credit report to reflect the true balance of the actual loan amounts they say I owe to all credit bureaus 5. I'd like for my credit report to reflect the interest as part of the balance and not reflect that I went over the balance by {$24000.00} as it does now. 

Keep in mind that i have hired an attorney to try and get them to do the right thing and they did not provide proof to us about loan amounts, nor did they correct the reporting on my credit reports. 

Please read the above details for more clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I first contacted convergent back on XX/XX/XXXX via certified letter which they have received, I asked them to verify and validate this XXXX phone bill, they say I dont which I do not! I have never had service with XXXX ever. I then asked in the middle of XX/XX/XXXXafter not receiving any correspondence from them for them to provide me with the contract that was allegedly signed when the service was started, still no response, I then sent a third letter in the beginning of XX/XX/XXXX, still no response ... .I have called several times and keep getting hung up on, I advised them that I have never had service with XXXX and for them to send me all the paperwork! I have not received a response back!

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 2018-03-16 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: TN

Complaint narrative:
I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX XXXX ( accnt # : XXXX ) 2. XXXX XXXX ( accnt # : XXXX ) 3. XXXX  ( accnt # : XXXX ) 4. XXXX/ XXXX ( accnt # : XXXX ) 5. XXXX XXXX ( accnt # : XXXX ) 6. XXXX ( accnt # : XXXX ) 7. XXXX XXXX XXXX XXXX ( accnt # : 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 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Last month XX/XX/XXXX my condo unfortunately was foreclosed under fraudulent premises by XXXX XXXX XXXX that I plan to pursue in civil court. Since my foreclosure I have been waiting for the bank to contact me with information regarding what I must legally do next since they repurchased my condo. I have not heard from anyone, no written notice, not even a phone call until this past Saturday, XX/XX/XXXX when XXXX XXXX XXXX aka XXXX came into my condo. They came into my condo while I step out for 4-5 hours for an exam and repossessed everything in my unit. I was unable to go to work because they took my scrubs, personal hygiene supplies, etc. I had a business presentation that didnt go well because they took my suits and presentation materials. I called the police and they said nothing they can do because it is a civil matter. I have been calling them as well as my associates and XXXX refuse to talk to me or give me a rational explanation for what or why they took my belongings. I arrived back from my business trip XX/XX/XXXX so yesterday I resumed trying to contact someone about my belonging. They continued not to talk or give me an explanation for when, what, or where are all my belongings. The receptionist finally told me that someone from her office suggested that I contact The Agency who is responsible for my eviction notice. I dont know what they are talking about because it was XXXX XXXX that illegally foreclosed on my condo. 

Today, XX/XX/XXXX, I spoke to a representative for XXXX who told me that they threw all my personally and sentimental values in a dumpster. I filed a complaint with Florida Office of Financial Regulation. I dont believe they threw away my belongings as it was expensive clothing, suits, a safe, and hidden gold coins that were inside my tool bag. According to the law they were suppose to give me proper notice for eviction and furthermore any items they remove from my condo are to be kept in a secure storage for 30 days. Out of all the items they took, I want them to return the gold coins. My father gave me those coins to pass on to my first child in his name. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello : I contacted the Equifax regarding inaccurate/unverified entries on my credit profile. There are 2 hard inquiries ( XXXX XXXX ) & ( XXXX XXXX ) that were nonpermissible & unauthorized. I was advised to contact the creditors regarding my dispute ; they were of no assistance & had no record/information. Equifax sent me a statement, indicating " inquiries are a factual record of file acces.. '' to contact the creditor. I have done so & the creditor had no record, no information & referred me back to Equifax. This unacceptable. 2 ) My credit profile as indicates a public record which is inaccurate/unverified. I was advised by equifax to contact the lister. I made contact, and provided a court letter therfore, they don't report information as they aren't reg by credit bureaus therefore, the equifax inaccuracies must be removed. Overall, based on my dispute, provided documentation, AFFIDAVIT & court letter. And clearly equifax is stating they verified, but as Equifax verification is obviously inaccurate, assistance is needed. My consumer rights are being violated XXXX & clearly reporting invalid, specious information. Due to equifax 's breach, i have redacted unncessary info and have supplied copy of letter received regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. 

I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. 

Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. 

Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they  called me anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
To Whom It May Concern, I have have tried reaching out to the XXXX XXXX XXXX for several years but to no avail. My current private student loans are being serviced through AES. The AES reps can not and will not provide lender contact information. I am beyond struggling to keep up with my monthly payments. I have asked on numerous occasions if my monthly payments and interest rates can be lowered but to no avail. I am told that I no longer qualify for repayment assistance. I was also told to write a letter to my lender which is XXXX and that AES would forward it on my behalf. I have yet to get a response and every time I call AES they are unable to provide an update or they say that the request is " on hold ''. In addition, the amount of money that I have paid in interest alone is beyond disrespectful. It is highway robbery and I feel I am undergoing financial XXXX! According to one of my private loans, I have currently paid about XXXX with XXXX being applied to interest and the remaining XXXX only applied to the principle balance. I am to the point where I have to worry about whether or not I pay rent on time, eat a decent meal or pay my loan on time. I need help, and it is only right that the lender work with me as I am trying my best to remain in good standing. Also, I believe that this is a case for predatory lending. At XXXX old when I signed the promissory note ( 1 ) I had no idea what kind of trickery I was signing. Iwas simply a young girl excited about furthering my education because I did not come from a family that could afford to pay for my education ( 2 ) I went to college with the hopes of graduating with a decent paying job, but the economy and has fail me and millions of americans. Times are hard and this is an epidemic that is affecting the majority of adults today. Again, I need to speak to someone at XXXX XXXX XXXX directly. I can no longer trust or wait for AES to handle this matter. I simply would like to lower my monthly payment and interest rates so that I can live a decent quality life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
My wife and I bought a home in XX/XX/2017. When we closed on the property taxes were taken out and prorated for the upcoming year. However, the mortgage company raised out mortgage and collected for 2 years of taxes and increased our mortgage by over 1000k dollars making the home unaffordable for us. I have tried speaking with them and every time I speak with them I get a different answer. I'm looking for them to honor the agreement we had in place. to raise our mortgage payment by 1000 dollars unexpectedly puts us in a financial bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I fell behind on my mortgage because my mortgage company gave me an adjustable payment which increased my payment from about {$18000.00} to {$28000.00} overnight. I hired an attorney to help me apply for assistance and they have submitted my application to Nationstar who is now called Mr. Cooper. Mr. Cooper states the only reason they can not modify my mortgage is because the owner of my loan says if they modify it the total payment must drop. My attorney appealed this decision and they mailed back paperwork showing the proposed modified payment and it is only a couple hundred dollars higher than my current payment. This rule makes no sense. My old payment was {$18000.00} and overnight my payment went up to {$28000.00}. And now my servicer is saying the only reason they will foreclose my home is because if they modified it the payment would go up by a couple hundred dollars per month. My servicer states the owner of the loan also will not extend my maturity date. They say they will not offer any more interest only options. My attorney has requested the servicer contact the owner of the loan and ask for one exception on any of these possible fixes and the servicer thus far has refused to do so. My attorney believes the servicer has an obligation to contact the owner of the loan to ask for any of these exceptions. To merely foreclose my home due to a technicality which makes no sense after basically purposely putting me into a loan which they knew would balloon out of control ( $ XXXX to $ XXXX payment increase ) seems fraudulent and purposeful. Anyone looking at this much of an increase who has common sense can see this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Daily I continue to receive phone calls from Sunrise Credit Services , INC on my work cell phone attempting to collect a debt. I have asked them repeatedly not to contact me during business hours ( XXXX M-F ) as this is an interference with my work. They still continue calling me multiple times a day during business hours with far less than pleasant attitudes. When I answer and ask again and inform them this is the 10th, 11th or 12th time I have requested that they refrain from contacting me during business hours, they get angry, hang up on me and call again. I have even warned them that I would be filing complaints with the Attorney General and CFPB if they did not stop. Today I have received more calls from them. This is becoming a huge issue with my work.

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 2018-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Too many companies, which I dont have account with.

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 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
My mortgage loan has just recently been moved to LoanCare, XXXX XXXX XXXX, XXXX PA XXXX. Loan servicing was transferred XXXX or XX/XX/XXXX. Loan # XXXX. My loan is in the name XXXX XXXX XXXX. I divorced and took back my maiden name, XXXX XXXX XXXX, but all loan documents are in the name XXXX XXXX XXXX. With XXXX XXXX XXXX, FI that my loan originated with, I reapplied and paid a fee to have the ex-husband remove from the loan. However, LoanCare has his name showing on all correspondence that I receive from them. I have contacted them about this issue but nothing has been corrected and no communication to me as to what they are doing about it. I will attach the documents from XXXX XXXX XXXX  in XXXX. I recently received notice from LoanCare that my monthly payment will increase due to my escrows. I can understand an increase but they are increasing my monthly escrow payment by double. I am registered with their online service and can see my mortgage loan information. I can view the escrow tab and it is plain to see why they are calculating incorrectly, because they have entered my property tax bill twice. The first time I tried to call, I was put to Escrow Dept and the recording stated I would have 1 hour wait for someone to answer. I waited 45 minutes and decided they probably would not answer my call even in an hour. I have attempted to contact them and have talked with Customer Support and they tell me the incident will be reviewed. I was told I would hear on this issue by XX/XX/XXXX, but no response. I called Customer Support XX/XX/XXXX and that person told me that I would be contacted within 24 hours. Those hours have gone by and no contact on the escrow issue from LoanCare. I was given a reference number 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