vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am very upset on how the school and lender lured me into applying for personal loans vs applying for another type of aid. I was told since I had perfect credit I needed to apply for personal loans and that is how I was going to be able to attend school. This has affected me deeply since I am not able to work out a flexible repayment plan and has affected my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: PR

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX was hit by hurricane XXXX. The entire island was declared a major disaster area by FEMA. On XXXX XXXX, I followed the instructions on the XXXX website to request disaster forbearance. The instructions said to send an email with information about the disaster and how your work or home were affected. I did that. I received an email from XXXX acknowledging they received my message. I received no reply so on XXXX XXXX, I emailed XXXX again asking about the status of my forbearance request. I received no reply. I also got an email from XXXX acknowledging receipt of my email on XXXX XXXX. On XXXX XXXX, I contacted XXXX through their chat system. The representative I spoke to said that they never received a disaster forbearance request for my account even though I had sent two emails to that effect. I put the request through again over the chat. Allegedly, it will take 7 to 10 business days even though at this point my payment is due in 2 days. XXXX is not addressing disaster forbearance requests for XXXX XXXX after hurricane XXXX. This is unconscionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
I advised the company to stop all calls as I do not know who they are. I have not done business with this company. I do not owe any money to this company. This company can not produce a contract between me and McCullough, Payne and Haan. Y

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX is claiming I owe them {$500.00}. I have asked for verification of the debt for months. XXXX has never verified the debt ( what it is for with receipts and proof I owe it ). XXXX hired Transworld SYstems Inc., a collection agency, to attempt to collect this unverified and baseless debt. I have a perfect credit score and I never have debt owing. This is defamation of character and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
cra hippa violation enclosed all the information inaccurate information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I live in the city of XXXX, and moved in to my house in XX/XX/XXXX.  My mortgage company, Freedom Mortgage, required me to open an escrow account to cover my real estate taxes and house insurance when we got the loan. I have never missed a payment, or been late for a payment. On XX/XX/XXXX I was served with a notice from the city that they were threatening to start a sheriff 's sale on my house due to missing real estate taxes. They had already taken out liens against me for underpayment of real estate taxes in XX/XX/XXXX and XX/XX/XXXX. This was the first I was ever notified of this. It had turned out Freedom Mortgage had incorrectly determined the amount of real estate taxes owed on the house, and neither the city nor the mortgage company gave me notice of this. For {$2700.00} under underpayment over two years, I now owed the city {$3900.00} including penalties and interest. Somehow, Freedom Mortgage had figured this out and paid the correct amount for XX/XX/XXXX taxes, but did not take care of the missing balance from the previous two years. I immediately notified Freedom Mortgage about the issue, and they said they would take care of it, and cover the penalties and interest. I spoke to three different customer service agents who told me the same thing, but no one would send me confirmation of this in writing. 

Freedom Mortgage took longer than they said to pay the tax bill, risking me further legal action with the city. I was forced to hire an attorney to defend myself and my home from the city. Finally Freedom Mortgage paid the bill, but deducted the entire amount from my escrow account, rather than just the portion of the principal, and then sent me a bill saying I needed to pay them $ XXXX to cover my negative escrow balance and keep it full going forward. After hours of the phone, waiting on hold to speak to people familiar with my case, someone told me that " upper management, '' whom I am not allowed to speak to directly, had decided that I should 've notified them about the underpayments earlier so I was responsible for the penalties and interest, even though the city never notified me. When I called the city they said they had been sending my tax bill to the mortgage company. The Freedom Mortgage service rep two weeks ago said they 'd " discuss this further and reconsider '' but then stopped returning my phone calls. I can no longer get hold of anyone senior enough at Freedom Mortgage who can discuss my case. Calls to them take over 30 minutes even just to leave a message for someone who wo n't call me 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 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
The loan opened on XX/XX/XXXX, for the term of 254 months, at the interest rate of 8.23 %. The note amount is for {$570.00}. We have continued to pay our for loan. Earlier in XX/XX/XXXX and XX/XX/XXXX we were able to payoff the loan, but they talked my husband into keeping the loan to help his credit. So we decided to just make larger payments ex. {$1000.00} for our monthly payments for a while to bring down the principle. We got behind in XX/XX/XXXX due to trying to get someones attention, about the payments somehow were all going to interest and nothing to principle. Yes it had been months before we noticed, but I had to contact them and the response was " you are not on the loan so we can not discuss this with you ''. So my husband faxed over a letter to allow me to discuss the loan matter. They looked into the matter and finally came to some resolution to add the interest back to the account and gave us a deferment and said it would just be added to the end of our loan. Since then they still will not discuss the loan with me. We have tried and no return calls. So we have kept paying our loan in order to keep our home. 
My husband in the past couple of months went to what we were told at one time the main location in XXXX, Ohio. When he got there they were closing the location and had moved all information to another location. I tried to pay our loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX, I thought they may have been doing some update on their web page. So I continued to call every number I could find online. It was only after a couple of hours before I reached a real person. The lady in AZ explained to me that all she could tell me was all accounts had been sold to other mortgage companies, and Citi financial was no more. So now we have paid 45 notes over our 254 months loan. There is a balance is still showing on our account. I am asking for your help in this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: WA

Complaint narrative:
I have applied for, and qualify for, income driven payments. These are all handled on XXXX website by the XXXX. 

Navient refuses to accept them, and requires me to submit them manually, intentionally putting additional steps between me and my income-driven repayment plan that are not necessary. 

My other student loans have easily switch to income driven payment with a single application on the XXXX website, except for navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra hippa violation enclosed all the information inaccurate information being reported

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 2017-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
cra hippa violation enclosed all the information inaccurate information being reported

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 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
A company just reported to my personal credit file that I owe XXXX XXXX which is NOT accurate at all. I DO NOT OWE XXXX ANYTHING. This is FALSE information and this is violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im showing inaccurate information on my Credit report that is not mine & I have disputed with Equifax before which was removed & now XXXX XXXX XXXX has re appeared back on my report .I have explain to Equifax that I was a victim of fraud.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following item deleted as this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo I had my loan redone by Wells Fargo and there was issues with it and a complete mess. Next I mailed them letters certified time after time had several phone calls for information that would never send. I also got foreclosed on and never received any foreclosed notices or anything. next thing I no I was foreclosed on and cll them and they would say its a mistake. I was calling Wells Fargo on an average 2 times a day some days more than 4 getting sent around to another department like there was no one could never tell me nothing. no one never followed up on nothing. went into a Wells Fargo mort office and they gave me the run around in XXXX CA. 

When I look at my original loan documents on the day they closed there is about 70 % percent of the documents not even sign by me and there was other issues that I bought to there attention but never no truthful answer. 

I have all my documents from the day of closing in the orginal packet they gave them to me and everything that was giving to me when I first purchase the home from Wells Fargo.

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