vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Assist
State: CO

Complaint narrative:
I have XXXX Stafford unsubsidized student loans from XXXX that originated under XXXX, XXXX of which has been passed on to College Assist and is now in collections. They claim that the loan is in default because their information says that I stopped going to school in XX/XX/XXXX or XX/XX/XXXX ( not sure ). As far as I know they are going to do the same with the XXXX loan as well. 

- I was in school continually from XXXX XXXX to XXXX XXXX, and I can provide documents to prove this - All my other student loans have either been or are now in - grace period, forbearance, or deferment - to this day - Not in any of their letters did XXXX or College Assist identify which specific loan they were referring to in terms I could correlate and distinguish from my other loans - When College Assist informed me by letter of their intentions to take legal action, the date of the letter was XXXX/XXXX/XXXX, and it said I had 10 days to contact them. When I did call XXXX/XXXX/XXXX I was informed I was too late and the loan had already gone into collections - There is a pattern of deception and disregard for my rights in their correspondence and actions - I sent them a certified letter stating this information on XXXX XXXX XXXX and requested they call the loan back from collections and allow them to be included with the others in forbearance or deferment. I never received a reply to the letter - They are now withholding income from my paycheck, which I discovered only through my employer. I was not served or allowed to defend the issue in court, nor have I had the means to do so at any time To reiterate ; part of the reason I did not react sooner to the letters from XXXX/College Assist was because never once did they identify the loan ( s ) in question with a comprehensible account #, original loan amount, or original loan date, making it beyond my capacity to know which of my XXXX loans they were referring to. My first inclination was to believe it was a scam. 

I am taking action now through CFPB because I only just discovered its existence, as I previously thought I had no resources to fight this issue. 

I believe I have a right to have both these loans in forbearance/deferment along with my other XXXX loans. Can you please advise on what action I can take? 

The loans in question : - XXXX - XXXX/XXXX/XXXX {$3000.00} original amount, XXXX XXXX XXXX XXXX, CO - XXXX - XXXX/XXXX/XXXX {$4500.00} original amount, XXXX XXXX XXXX XXXX, CO ( this is the one in being collected on ) Thank you.

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 2016-10-27 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Incorrect names for me: XXXX and XXXX. Incorrect addresses: XXXX, ar

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: OR

Complaint narrative:
I have no idea why I have a XXXX debt. I can not find where to contact them to dispute the claim. Can you please help?

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 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called  the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax,   XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time  feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application  ID number has to be  resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add up.

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 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died in a XXXX. I was in shock and forgot about court until morning of court. I did not attend .XXXX has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2016, someone opened up a Credit Card with Amazon/Chase. It was not me but they hacked Amazon and stole my information. I received it at my home, but they had used my old address. I contacted Chase and was informed that Amazon/Chase had had a security breach and XXXX account information was stolen from Amazon. They also stated that they are dealing with 100's of Consumer's that are having the same issue I am. I contacted Amazon who to their knowledge knows nothing about their security breach and were not very helpful. I am now a victim of Identify Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in 2010 when I was a XXXX in college, I opened an account with Bank of America. They closed my account in less then a week due to what they claimed suspected fraudulent activity. I called the bank to find out what happened and no one could give me a clear answer. They told me the account was closed and that was it. A few month ago ( 5 years later ) I tried to open a new Bank of America checking account, they refused me but the teller could n't tell me why so I had to wait to speak to a banker. When I finally sat down with a banker they told me that I owed the bank {$50.00} in fees they charged when closing the account, fees for which I should n't be paying because I had funds in the account when it was closed. They said that I needed to pay before they can reopen the account, so I asked for my old statements and they told me they ca n't provide it because the account was closed due to fraud. I asked what the suspected fraud activity was because they never told me, they just closed the account without confirming with me and reported me the XXXX. Now if they suspect fraudulent activity on my account should they tell me what it is? Or what went wrong so that I can fix it? Also it 's been years since the account was closed and I already paid them the {$50.00} they say that I supposedly owe them yet they have not reported that the matter has been settled to XXXX and are still reporting negative information about me which is n't factual. I 've never had any fraud on my account, and even if so the bank was suppose to verify with me instead of just closing my account without my knowledge. So now I am unable to open a new checking account because Bank of America has reported me to XXXX for reasons I still do n't know and they wo n't tell me, and I 've paid the {$50.00} they said I owed so they are suppose to update the information with XXXX and remove my me from there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan care continues to report me late on my mortgage and I have emailed them several times to no avail. Who can I talk to about resolutions? 

They also reported me XXXX and continue to tell XXXX that I am XXXX. My mother XXXX and by them reporting me XXXX is bringing up XXXX, making it hard to switch services. I asked them to remove it but they refuse. It was the companies responsibility to make sure when I made the payment on XX/XX/XXXX to make sure I was paid up. 

Here is a copy of one of the emails I sent them : First you report me XXXX to the credit bureaus, and AFTER I paid the past two payments of more than $ XXXX, you still report he with past due. It is your RESPONSIBILITY to make sure that when I made the payment of more than $ XXXX to INCLUDE ALL LATE FEES, which you failed to do. I am current with my payments and expect ALL of my statements to REFLECT as such. I am putting this in writing because I need a paper trail in case of further inquests. Below are the payments I made : XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT IDXXXX XXXX : XXXX ID:XXXX,XXXX XX/XX/XXXX LOANCARE SERV XXXX : MTG PYMT ID:XXXX XXXX : XXXX ID:XXXX WEB XXXX XX/XX/XXXX Show additional information for activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX LOANCARE SERV XXXX : MTG PYMT ID : XXXX XXXX : XXXX ID : XXXX WEB as Reconciled 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 2015-04-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover is reporting to my XXXX report that it was settled for less than agreed. Discover was very aggressive in collecting on this account. I told them I would pay it off for the agreed amount if they agreed not to report it to my bureau. They agreed and we proceeded. I 've recently learned that it was only charged off by around XXXX dollars. I offered to pay that off in full and they said they 'd take the money but not remove it. I feel this was a deceptive practice and they 're not willing to make it right. They 're also unwilling to work with me on paying off the former charge off. I honestly do n't understand why they would n't want my money at this point. I 'm attempting to repair past wrongs and they were very rude about it when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!! I just received the deletion form from XXXX XXXX XXXX XXXX as well. I have attached it. I have been trying to get this removed off of my credit report for 5 months this is just ridiculous! This was supposed to be removed when I submitted the police report to you back in XX/XX/XXXX but instead of you blocking it under the XXXX order you submitted it as a dispute to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts are and have been opened due to Identity theft and fraud. I 've had to go to each one of them and submit the information. I sent you the deletion order for XXXX XXXX, which was deleted, now I am sending you the deletion order for XXXX XXXX XXXX XXXX and I am awaiting the deletion orders from XXXX and XXXX. You should have just removed it just like XXXX and XXXX had but you did n't. You have cost me so much. Your not doing your job as your supposed to your hendering everything by not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reported the collection to the cfpb which found company did not respond correctly and information was sent to the FTC..the account was off all the bureaus but after months is on Equifax..I called the collection agency who understood it had been incorrectly reported too long over the 7 year limit and put in for removal from Equifax..it after weeks will not come off ... he went back in and checked that he did remove it ..he has now put in for removal twice ..this is XXXX XXXX XXXX ga XXXX..He suggested I call equifax and see what is going on. , I did and the company can not help..I stated its been pulled by the collection agency but they just say dispute the item again which I 've done many many times..To be such an important influence on a person financially Equifax should have decent customer service and not outsourced overseas to people who can not answer neccesary questions..So as of right now I still have a collection on my report that 's been reported on since 2007 which the collection agency has removed but Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I was a homeowner with a loan originating with XXXX mortgage. I requested a HAMP modification and was delayed for two years. Then my mortgage servicer was transfered Nationstar who then informed me that XXXX never offically modified my mortgage. After a year of going through the loss mitigation dept ment if Nationstar they foreclosed and took my home on XXXX 2014. I received settlement papers from XXXX mishandling but because my mortgage was transfered to nationstar I am not elegible to receive forclosure benefirs under category XXXX of the settlement. I want XXXX and Nationstar held accountable for the improper transfer of all these mortgages and subsequent foreclosures resulting from XXXX delay and Nationstar inability to honor XXXX hamp modifications due to the passage of time and accumulated balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MT

Complaint narrative:
I am having trouble with my mortgage servicing agent which is now with Ditech. It has also been with Greentree and XXXX. The original mortgage was completed on XX/XX/XXXX. I got behind in payments in XX/XX/XXXX. In XX/XX/XXXX, I sent a payment of {$3500.00} in the form of a XXXX XXXX wire. The exact amount I was told to pay. I even called the morning of the payment to confirm that was the right amount. Approximately 2 weeks later, the money was sent back to me along with a letter stating that I paid {$400.00} to little and that we could no longer accept payments to this account and that I would sent into foreclosure if I could not pay another {$6800.00}. I 'm not sure why. I was willing to make payments, but was told by XXXX to stop making them. By XX/XX/XXXX the total to reinstate my loan was {$17000.00}. In fact they refused to accept any more funds unless it was the full amount. This included charges that were well above the {$1000.00} maximum fee as per Montana state law. I have been working with XXXX, Greentree, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XX/XX/XXXX. On Ditech website my account says I have to pay {$130000.00} to get current which puts the total over $ XXXX. So which is it? The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me. I have been scammed by XXXX and am running out of time. This has ruined my credit and put me in a 4 1/2 year long financial lock down, not knowing what to do. I have made many calls with no response to Ditech. I have to the phone number and agent I am supposed to talk to XXXX XXXX but have gotten no response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
i have never been to this place never was seen here and never did any type of business with this company and never will this account has been removed previously by both XXXX and the other XXXX bureaus due to multiple listings and lack of validation i would like this removed permanently furthermore they continue to call my phone and hang up and its harassing me

Company response to consumer: Closed with explanation