vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.

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 2017-11-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I went to XXXX for 2 years - from XXXX through XXXX, graduating XXXX XXXX. I utilized student loans directly through UTI as well as Fed XXXX. When I graduated, I paid off all of the student loans - however, XXXX did n't have information from Fed Loan at the time so they were not included when I paid off all other student loans ( XXXX XXXX was the servicer -- nearly {$40000.00} ). In XXXX XXXX - Fed XXXX called to let me know I was delinquent on XXXX loans. I had no idea these were outstanding. Fed XXXX indicated that it happens quite a bit - that XXXX deferred the loans for a year - then submitted for repayment. I immediately made payment arrangements - and they indicated that they would put the delinquent payments into forbearance and would be paid at the end of the term. New payment schedule was made beginning XXXX XXXX - which I have been current on every month. 

When I applied for a home loan I found out that Fed XXXX incorrectly labeled my credit as delinquent over 150 days! I immediately called them and was told to file a dispute through their web site - which I promptly did. They " corrected '' the status to read XXXX, but was 90+ days delinquent from XXXX XXXX - which was not correct, in addition to what Fed XXXX told me they would report. 

Fed XXXX will not change the status - they are being deceptive in how they treated me and are unwilling to accommodate my requests. My credit score has been hindered significantly through no fault of my own. 

Please let me know if you need any documentation - I can provide anything you might need to correct this false credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Student Aid (USA) Funds
State: KY

Complaint narrative:
XXXX requested balance was $ XXXX settlement amount with XXXX balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: VA

Complaint narrative:
I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: MD

Complaint narrative:
1 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

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 2017-11-30 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. 

The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? 

We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
On or about XXXX XXXX I completed a Loan Rehabiliation program with XXXX XXXX and the US Dept of Education to successfully bring my student loans out of a default status and into a current status. 

As part of completing the program, I was advised that any derogatory information tied to the old accounts would be removed from my credit report and replaced with a new account that does not have any negative remarks from the past. 

On XXXX/XXXX/XXXX - I sent a special written request directly to XXXX. 

In whole, it stated : { { { { { Regarding Account # XXXX Account # XXXX I 'd like to bring to your attention an error with your reporting of a rehabilitated student loan. I have previously disputed this reporting with all three major credit reporting bureaus on several occasions. Specifically, I am expecting the deletion of derogatory credit reporting on any William D. Ford Federal Direct Loan ( Direct Loan ) Program and Federal Family Education Loan ( FFEL ) Program - as specified in the terms of the Higher Education act and the Department of Education. 

Specifically, it says : To rehabilitate a defaulted Direct Loan or FFEL Program loan, you must agree in writing to make nine voluntary, reasonable, and affordable monthly payments ( as determined by your loan holder ) within 20 days of the due date, and make all nine payments during a period of 10 consecutive months.

Benefit : When your loan is rehabilitated, the default status will be removed from your loan, and collection of payments through wage garnishment or Treasury offset will stop. Youll regain eligibility for benefits that were available on the loan before you defaulted, such as deferment, forbearance, a choice of repayment plans, and loan forgiveness, and youll be eligible to receive federal student aid. Also, the record of default on the rehabilitated loan will be removed from your credit history. 

Therefore, I respectfully request you address my concerns here. I have enclosed copies of my credit reports highlighting the incorrect loans that keep getting verified as correct after a credit bureau investigation. For your records, this loan rehabilitation was completed by me early in XXXX, therefore I suspect ample time has gone by for you to correct your records. Kindly respond promptly. } } } } I have yet to receive a response from them after nearly 60 days and continue to have negative information on my credit report adversely affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
XXXX requested balance was $ XXXX settlement amount with XXXX  balance of {$0.00} documentation to support both. 3 months later USFunds request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Enterprise Systems, Inc.
State: KY

Complaint narrative:
NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ 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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
My home has been illegally foreclosed in Sheriff sale by Ocwen Loan Servicing LLC. Since the XXXX of my husband in XX/XX/XXXX, I have been trying to apply for a loan modification but no one in customer care at Ocwen would help me. Since his passing and because he was the bread winner, I have been in distress and had difficulties paying my mortgage payments. However, not enough to warrant a foreclosure on my home of over 20 years! 
In XX/XX/XXXX I sent Ocwen {$3000.00} of the {$4600.00} dollars that they stated that I was in arrears. They sent it back to me and would not work out a repayment plan. I was not informed and had no knowledge that the foreclosure process had started on my home. I found out this information from a third party by the name of XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX, this is the company that I attempted to hire defrauded me out of {$2800.00} because Ocwen refuse to assist me with the reinstatement of my mortgage. Ocwen customer no service and negligence has cost me and my family financial harm and health problems because of this situation. When I call them it takes several hours to finally talk to someone and then find out thats the wrong person to speak with about your issue. It takes weeks and months for them to return phone calls! 
The Attorney XXXX XXXX XXXX hired by Ocwen never notified me of any foreclosure proceedings on my home and ultimately sold it in XX/XX/XXXX. This is not the first time that Ocwen has illegally foreclosed on our property, it happened in XX/XX/XXXX as well. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Integrated Recovery Services
State: AL

Complaint narrative:
I have been receiving calls from these people for about a week but I never answer because my XXXX  has there number filtered as a scam number ( XXXX ) but today XX/XX/17 a rep named XXXX left a voicemail stating there is a case naming as a defendant and they will pursue unless I call them at XXXX. So I call the number and XXXX an account XXXX answers the phone giving the companies name as XXXX XXXX. He wants me to verify DOB and SS # which I did not do because these people are clearly scammers. He refused to give me any information and he stated that since I would not verify my personal information he will be calling a bunch of random people and just giving them the ss # and DOB they have on file and then hung up in my face. I called back and got XXXX who immediately hung up when I asked for their address. I called back again and XXXX answers and he said he is not providing me with their address or a mailing address and hung up in m face again. These collection practices are not only illegal but they violate ALL consumer credit debit collection laws. If these people continue to harass me and break the law I will file a law suit. I have them recorded!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Circle Internet Financial
State: WA

Complaint narrative:
On XXXX XXXX 2017 Bitcoin ( BTC ) performed a hard fork, which is basically a stock split. 
XXXX did not give the split off coins ( shares ) to its customers. I am looking to get the coins due to me from XXXX. I have since threatened them with a Class Action Lawsuit ( but no action is pending that I know of ) and they have arbitrarily closed my account for no reason. 

The hard fork should have given me XXXX BCH ( shares of Bitcoin Cash ). At the time of the fork it was about {$1400.00}, current value is about {$2500.00}. 

I contacted the company multiple times on, and after, X/XX/2017 and they stated they would not distribute the coins.

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 2017-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the year XX/XX/XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XX/XX/XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XX/XX/XXXX the Department of Emigration and Naturalization granted me a XXXX XXXX to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In the year XXXX I lost all my documents, my emigration papers, driver 's license and social security from my self and my kids, I notify the Emigration Department and I realized in one of his appointments that other people were using my identity and that of my youngest son, in XXXX XXXX someone used my identity and that of my son who at that time was under age to register in a store for a marriage ceremony. I now observe that I have many accounts in my credit and addresses that do not belong to me, and 14 requests for cards and applications denied in my credit history, On XXXX XXXX, XXXX the Department of Emigration and Naturalization granted me a permanent parol to solve my problem ... that document I am including in this letter. 

Thank you. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery
State: MA

Complaint narrative:
Was told entire payoff amount and deadline. 
Sent payment in full. 
Was called back by agency and told i still owed money beyond the payoff. 
That the agreed to amount was not approved Trying to charge me thousands more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
We have a {$50.00} per month payment plan set up with XXXX XXXX. 
XXXX XXXX XXXX is calling us on a debt that is being discharged. XXXX hospital told us is is a scam phone call & to disregard. Phone number called us is XXXX. This company hung up when I challenged them. They 've called us repeatedly, despite financial arrangements made with the hospital. The hospital billing told us this is a scam illegal activity by " XXXX XXXX XXXX '' & to disregard, report them. These people need to XXXX!! They are foreign callers from XXXX. Sick of being harassed.

Company response to consumer: Closed with explanation