vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX EST I received a call from D2 Management Collections Firm from number XXXX the woman stated she was calling about a debt from XXXX. I asked what date and she became audibly annoyed and said XXXX. I disputed the validity and asked what specific date and she said XXXX, XXXX, XXXX and then she said " SIR, we've talked to you about this before '' I said, " When did you talk to me? '' Concerned that my identity had been stolen because I've never spoken to this company and she said " You just need to stop asking questions and PAY YOUR DEBT! '' then she hung up on me. 
Confused by the treatment I called back at XXXX and was hung up on. I called back at XXXX and was hung up on. I called back at XXXX and asked the person who answered the phone to please not hang up on me that I need to speak with a manager. I was transferred to XXXX and I explained what happened, he said he would look into it. I asked that he pull the recordings so they are available to the CFPB because there was absolutely no warrant for the way I was treated and abused. Additionally, she legally could not demand I pay after I disputed the debt. The company 's other employees perpetuated the harassment by hanging up on me. It was so shocking and confusing WHY I was being treated this way for asking questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
Hello : I received a letter dated, XX/XX/XXXX from Dynamic Recovery Solutions : XXXX XXXX XXXX, XXXX, SC XXXX. They state that I have from the original creditor of XXXX  XXXX XXXX, DRS Reference #  XXXX, current creditor : XXXX XXXX XXXX XXXXReference # XXXX, current balance {$6200.00}. In this letter they only office different repayment plans. 

Back in XXXX My wages were garnished for a year for this same amount but from a different recovery solutions and it was paid in full. This took place when I worked for XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX, I paid all my student loans off. Then now I receive this letter that I have some other student loan out there that was never paid off. 

I attended to colleges for my XXXX XXXX XXXX, they are : XXXX  XXXX XXXX, in XXXX, XXXX  and XXXX in XXXX, XXXX. I never took a loan out through XXXX  XXXX XXXX and I have never received any letters, notices or calls from XXXX or other affiliates in regards to this amount, until I received this letter. 

I did call Dynamic Recovery Solutions and told them, I feel this is a fraud letter and that I want proof from their end that I took out this loan, that they have a right to collect on this loan and the entity claim what I owe is the proper amount due. I was told they would look into this but this is my debt and I need to repay it. 

I can be reached by cell : ( XXXX ) XXXX or email : ( XXXX ) or home address : XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: TX

Complaint narrative:
I was scheduled for an appointment on XX/XX/XXXX for a " XXXX XXXX XXXX '', which entailed screening for XXXX XXXX XXXX as well as XXXX screening, among other things. In XX/XX/XXXX I was called with regards to collection of this " medical debt '', which confused me due to having medical insurance. I was instructed to submit a payment to prevent this debt from being reported to credit bureaus and so I submitted a payment of {$36.00} to XXXX XXXX XXXX XXXX to stop the calls. The same day I had called my insurance company ( XXXX XXXX XXXX XXXX Texas ) and it was revealed to me that I did not have a financial obligation towards this debt, and that my out-of-pocket cost for this procedure is, in fact, {$0.00}. I was further instructed to disregard any requests for payment as they are not valid. 

XX/XX/XXXX I had called my insurance provider again due to receiving phone calls stating I was not honoring the payment plan i had initially set up in XXXX XXXX.At this point it was sent to a debt collector ( XXXX XXXX XXXX ) for payment. I had spoken to an agent XXXX XXXX of XXXX XXXX XXXX XXXX of whom called the collection agency and spoke on my behalf regarding this debt, and stated the fact that it was not valid. She submitted documentation of my financial obligation via email. This debt has since been sold to the Financial Corporation of America. They continue to call me in reference to this medical debt that I do not owe. I have also explained the same situation to them in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have a BestBuy Visa card. I have not used it for years and set up automatic payments to pay off the amount owed, which was under {$1000.00} and the limit was {$1000.00}. In XXXX, I was mailed new cards for myself and for my mom ( I was not aware that she was on the account as she is in a XXXX   XXXX XXXX ). Shortly after that, BestBuy stopped mailing the statements to me but when I went online, the payments were still set up. 

In XX/XX/2019 I started getting calls, sometimes up to ten calls a day from Citibank informing me that I was past due and over the limit. This should have been impossible because I did not use the card and the automatic payments were being made monthly. I informed their representative of this and was yelled at and told that I better pay up. Because of the repeated calls and the attitude and language of the " customer service '' representative I thought it must be fraud. 

I decided the best course of action would be to send in some extra payments of {$75.00} each and request a statement. The calls continued and today I received an e-mail that my account is past due. 

I believe this is all false information and I think there is something amiss.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I do not bank with mastercard or usbank, however i was sent a debit card to activate in the mail yesterday. I have been trying to report a fraud but no one at the master card customer service can seem to help me. I did not order a card and think someone else did under my name. I need this card and account cancelled. Thanks

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 2019-02-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back. 

XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
i recieved a mark on my XXXX report XX/XX/ 2018 that i owed GC services {$1300.00}. 
Collection Agency GC SERVICES Original Creditor XXXX XXXX Status Open Opened Date XX/XX/2018 I  did not recognize this company and upon research discovered that it was referred to them by XXXX whom I do not have a account with for a number of years already.. 
i attempted to both call and email the company but have still not recieved any response. 
I disputed this with XXXX who upheld the claim despite the fact that they have not provided any documentation for the bill. 
I have since found out that the bill should belong to a family member instead of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
For all three credit bureaus, my 8 active loans with Dept of Ed/Navient are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that Navient has to update the information. When contacting Navient, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: AES/PHEAA
State: IL

Complaint narrative:
Since The induction of the Public Service Loan Forgiveness ( XXXX ) I have contacted my loan servicesor, XXXX XXXX XXXX XXXX XXXX and the Department of Education regarding the payment plan and application. Each year I was informed that I was in t he correct getting payment plan. As I would be told by a representative that I was in the correct payment plan and that I am in the program for the PSLF. 

As I do each year, I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was informed by a representative that I was not in the correct payment plan, and they would have to transfer my payments to XXXX XXXX XXXX. 

When I had my payments transferred to XXXX XXXX XXXX, I was told by their rep that I was not in the correct program and that I only had 20 qualifying payments for the PSFL. 

I dont know which servicesor provided the correct information. I believe that pay more qualifying payments. 

I called MY XXXX XXXX XXXX today and spoke with agent # XXXX. He was extremely patronizing and disrespectful regarding my student loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TN

Complaint narrative:
On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, XXXX, and Experian. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.

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 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Last month, our mortgage provider switched to Select Portfolio Servicing. The name of our road was changed a good ten years ago ; Select is unaware of this. We have a main house and two small structures on our property -- this is the way it had been for around 15 years, yet Select is unable to understand this. I can not explain over and over again that the name of our street was changed over a decade ago. I can not explain over and over that we have a main house with two smaller structures.

This is more than annoying -- for 18 years much of our insurance coverage had been paid via our escrow account. Because of Select, I have had to pay a substantial amount for coverage from my own pocket. This has never happened before in all the years we've lived here -- and I'm simply can't afford to suddenly pay for this coverage out of pocket. 

The switch to Select has been a disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.

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 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I filed a complaint and the company did not reply to the two accounts I am disputing. for account numbers XXXX there are two different TSI account numbers XXXX the amount is {$260.00} and for XXXX the amount is {$730.00}. The bill that I have from TSI is for {$970.00} and it appears my insurance paid part of the bill. My Co-Pay should have only been {$100.00}. The amounts they are trying to collect is incorrect. On my credit report under TSI the only bill thewy are showing is {$730.00} which is another incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
Io whom it may concern. I'm writing this letter in dispute of the Medical Data Systems debt of {$140.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I should have received a letter from the collector which includes all of the following : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor To my knowledge I had not received such a letter. The collector may be in violation of the Fair Debt Collection Practices Act.

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 2019-02-15 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: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Back in 2014 we filed foreclosure on our house with XXXX  XXXX XXXX. 
Sometime prior the forclosure was processed XXXX  XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX  XXXX XXXX and our foreclosure is with XXXX  XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX  XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX/XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XX/XX/XXXX, XX/XX/XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

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 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am working towards Public Service Loan Forgiveness ( PSLF ). I have been employed full time by a XXXX XXXX since XXXX. When I first got into my repayment plan in XXXX, I told Navient representatives that I would be working towards PSLF. I was enrolled in an income based repayment plan at that time and over the next several years I was assured multiple times that I was on track to have my loans forgiven after the 120 payments were received. 

In XXXX, half of my federal loans were transferred to XXXX. I didn't even realize that they had only taken half of my loans because I still had several private loans being managed by Navient. In XXXX, I called XXXX to question why they had only taken half of my loans. I was informed that half of my federal loans were direct loans and half of them were FFEL ( the wrong kind of loan for PSLF ). Nobody had ever informed me of this. I was able to simply consolidate my FFEL loans and start working towards PSLF on those loans. 

So now, half of my federal loans are on track to be forgiven in XXXX and the other half won't be forgiven until XXXX. This is despite working full time, for a government agency, making on time payments the entire time. That is 4 years of interest and payments that I can't afford to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I am trying to collect my escrow surplus of {$7400.00} for XXXX from my mortage lender Ditech Financial LLC which shows on my XX/XX/XXXX statement ( account XXXX ). 
After numerous phone calls to Ditech customer service XXXX all I get is the run-around about my escrow surplus check.I contacted them on XX/XX/XXXX, They said a check was mailed on XXXX ( I did not receive ) They issued a new check on XX/XX/XXXX, ( I did not receive ) .I called on XX/XX/XXXX and was told someone would contact me, no one contacted me, I called on XX/XX/XXXX and asked to speak to a supervisor or Mgr but they could not locate one.I also asked customer service if they had my correct mailing address, they did.They have all this information on their recorded messages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief