vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I inherited my father 's home after he passed away. My attorney whent through all the steps in court so I could be administrator of the estate and mailed copies of this to Bank of America. They said that they never received the paperwork and could not say or do anything for me because I was not on the loan. My attorney sent the copies again, and BofA stated they didn't receive those either. Bank of America would not expect my payments and returned my checks. I got a notice of foreclosure from them so I called about it and once again denied information so I faxed the copies from the court they denied getting them so I then emailed the paperwork twice in a week. 3 days before the sale of my home they said that they just got the email and would process it. I called every day after asking them to stop the sale so I could take over the loan and refinance. I was sent to 4 different people on the phone before being told they were still processing the papers. I had 2 people  come to my home on the day of auction and tell me they just bought the house. Bank of America never once tried to help me do anything to take over the loan or stop the foreclosure this has been going on for a year since my father died. I was never given any options and they sold MY home out from under me forcing me and my children to be 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 2019-11-19 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: FL

Complaint narrative:
I have student loans with Navient beginning in 1990 while attending grad school. I have been in contact with Navient and have notice that my original balance of XXXX has sky rocketed to over XXXX XXXX dollars? They have added new balances, manipulated loan balances, and changed my interest rate several times without my permission. They will not allow me to start repayment options, only offering deferment, or forbearance. My original loan documents have fixed low interest rates that I agreed to and signed. Navient has added new balances, and consolidated my loans without my permission. I can not pay this new balance over XXXX XXXX dollars. My loans were originally with Sallie Mae. When Navient took over my loans they changed, and they started manipulating my interest rates, and payment options, and balances. They tell me that they do not have my original paperwork isuued from Salli Mae. I don't know what to do. I am now facing repayment, and my job as a XXXX will not allow me to pay this large debt off? They are crooks, and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2019 my credit report shows inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries and would like for you to remove them from credit profile in a timely fashion.

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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I sent the offices of Suttell & Hammer a debt verification letter in XXXX of XXXX. In my letter I requested documents that would provide proof of said debt. These documents included the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

On XX/XX/XXXX, Suttell & Hammer replied to my letter by sending only one of the documents ; Billing Statements. 

In my letter I stated the following ; Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents Since I did not receive the adequate documents I needed to verify this debt, I did not respond. It was stated in my letter that I would not process their claim if the documents were not supplied. 

On XX/XX/XXXX my roommate notified me that a man attempting to serve me a lawsuit had come to our home in XXXX XXXX. I was not at home to accept the lawsuit. I assumed, rightfully, that Suttell & Hammer were the ones behind the suit. I contacted their office on Tuesday, XX/XX/XXXX and was told by an account manager that " What they sent was what I was getting '' when asked why they did not provide the documents that i requested, he responded " You can use all the legal jargon you want, but what you got from us is what you are getting. '' He then transferred me to a voicemail. I emailed the attorney who had sent me the reply letter on XX/XX/XXXX, XXXX XXXX XXXX. I informed her that the verification was not complete and asked why the documents were not sent. I then called back and spoke to another associate who then informed me " Because of your email, the service of the suit has been cancelled '' My complaint is unfair debt collection practices as well as using intimidation tactics to influence the actions of an alleged debtor. Filing a lawsuit with full knowledge that the debt verification process was pending and incomplete as well as refusing to provide documents that would verify the debt, is, in my opinion harmful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal is sending debit cards linked to your account unsolicited. It's up to you to close the card, and they don't take you directly to a page that allows you to cancel, you have to log in and really dig in your account to find the button. I didn't think a company could send you a debit card that you didn't ask for. 

I received the email today, XX/XX/XXXX, cancelled the card on XX/XX/XXXX before I received it. I never activated it so I have not suffered any  damages. Just reporting because I found it improper, was not allowed to negotiate the terms of the debit card, never opted in, nothing like that. There was no warning that activating the debit card could influence my credit rating. 

I can upload the email announcing the " service ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
When i checked my XXXX  credit report i saw a debt owed from commonwealth financial original creditor XXXX XXXX XXXX XXXX Date opened XXXX XXXX On XX/XX/XXXX I called the creditor and it sounded like a scam, she said that i went to the doctor ( XXXX XXXX ) in XX/XX/XXXX but was not me, they had my info already, i acted like it was mine because how much of a scam it sounded, she went to see me up on a 2,3 and 4 month payment plan, then she went to a 25 % discount off of the XXXX $ to XXXX , after ending the call i looked more into it and read the comment for commonwealth financial and everybody seems to have the same story, just trying to get money, i never received any mail about the medical bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
Around XXXX of this year I was contacted by a XXXX representative after inquiring about a case study they were offering. During the discussion I was told by XXXX XXXX she also suffered the same XXXX I deal with ( XXXX ) and that the machine helped her tremendously. I said I was interested in the machine but could not afford the machince due to cost and she said I could finance it with one of there financing companies and they would cover the cost by sending me a monthly check each month for 36 months until the machine was paid for, I'd only have to pay {$5.00} dollars a month. I was excited and accepted the offer. I was contacted by UCFS ( United consumver financial services ) the following day and told everything was good to go on the loan, but before I accepted I email XXXX that and asked would I be paid for this casestudy and they email me back yes. I still have that email but my direct correspondance with XXXX  via text message is gone since i have a new cell phone since then. The first 3/4 months I was paid with no problem and I followed all my case study requirements. Then I stopped recieving payments and I contacted them and said that I was in violoation of my terms. I replied no and had them verify that I did follow my instructions and then a few weeks later the asked for my XXXX information and said they would be paying me but it never happened. This was followed but a email detailing new case study requirements that i switched to and followed to the T but I was still never compensaded for. I reached out to them with many emails and calls, also text messages to XXXX  and another lady who had recruited me initally but they did not respond either. I began to research and found out a few weeks ago the company was running this fake case study the whole time, it was a complete fraud. UCFS has not froze my account to do an investigation as of yet as well. I along with many other clients who have been tricked by this company lead by XXXX XXXX and XXXX XXXX are very sick people who are already struggling with medical bills and other expensenses associated with our various illnesses to have to deal with the mtaking advantage of sick people like this is cruel. I continue to send emails and leave voicemails with XXXX but they have not responded and when I specifically ask about the status of my payments they never reply, I even asked if they would buy the machine back and no response has been made as well. There were several exchanges when they would ask for my payment information then would never pay ... I appreciate your help in trying to reach them and get this resolved. I have attached a snippet of some correspondence I have had with them. There is more I have available at request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: CL Holdings LLC
State: WI

Complaint narrative:
I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued and the debt is on my credit report and negatively affecting my credit. 

The company is Jefferson Capital Systems Amount : XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am the cosigner of a SallieMae for a friend of mine, in XXXX. In XXXX she became permanently and totally XXXX. She began making smaller payments than what they were demanding for repayment, explaining to them that she was on social security XXXX and couldn't afford the larger amount. They agreed to a lower amount but continued to accumulate interest in an amount that was larger than the payments she was making. ( the original loan was XXXX, and she now owes last i heard, XXXX ) I recently saw on their website under the " Common questions about cosigning a Sallie Mae student loan '' Q- What if the student dies or becomes disabled? A - If a student dies or becomes permanently and totally disable, we'll waive all remaining payments on their Sallie Mae student loan. Call us at XXXX. I encouraged her to push for them to waive all remaining payments, i helped her get the paperwork together she needed to send them. She just got a letter from them saying " based on the information you provided regarding your XXXX, we have reviewed your account and determined that you are eligible for release as the borrower of the private student loan referenced above. Release of your liability as borrower would result in the loan being transferred into the name of your cosigner. if you prefer to keep the loan in your name and remain responsible for repayment of the loan, please contact our office within 30 days from he date of this letter. if we do not hear from you within 30 days, we will complete the transfer to your cosigner. '' I feel like that letter is a bullying in their attempt to collect the payments and in violation of their own statement on their website. I don't know what to do about it, though. She is completely overwhelmed by it all and really believes anything they threaten her with. They tell her because it's in collections that's her only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the Gurstel Law firm began contacting me daily. I contacted Gurstel and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to XXXX and is referenced as such in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-20 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN  INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid the balance on my mortgage. 
On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. 
On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. 
On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. 
On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. 
On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. 
I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. 
I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. 
On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. 
On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. 
On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Trident Asset Management, L.L.C.
State: WI

Complaint narrative:
I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

The Company is Trident Asset Management Debt Amount : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation