vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
We filed for Bankruptcy XXXX in 2011, to save our home from going into foreclosure. We also went through a State program and was approved for {$24000.00} to help pay down our loan. A bankruptcy Judge added a court order for the bank to accept the money and the bank did not. I have all the paperwork. My complaint is the bank has inflated our loan and is now trying to foreclose on our home. I look forward to talking with you and sending any information you may need to proceed. <P/>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 2017-06-29 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: CL Holdings LLC
State: TX

Complaint narrative:
This account has been closed and charged off with the original bank and I do not have a signed contract with XXXX XXXX or Jefferson Capital Systems nor have I done business with XXXX XXXX or Jefferson Capital Systems. I have a right to demand a signed copy of such contract between XXXX XXXX JeffersonSystem and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: GLA Collection Company, Inc.
State: OH

Complaint narrative:
I had XXXX XXXX XXXX XX/XX/XXXX at XXXX 's XXXX 's XXXX XXXX in XXXX, Kentucky. My XXXX was approved for this XXXX and I called XXXX to let them know I had received a letter showing my acceptance. I also took the letter to XXXX financial office for them to make a copy. In XX/XX/XXXX I looked at my credit report and found I had 2 accounts from XXXX for non-payment. One was from XX/XX/XXXX in the amount of {$3700.00} from XX/XX/XXXX. The other was from XX/XX/XXXX in the amount of {$520.00} from XXXX XXXX XXXX for my son, who was covered by XXXX at the time of these tests. I contacted the local XXXX office to discuss the account not being paid. The XXXX office printed out paperwork for me to show XXXX of our coverage for these charges. When I took the paperwork to XXXX financial office, they told me XXXX would not pay them because it had been over a year. I returned a couple times and was told there was nothing they could do. I sent my information to XXXX, XXXX, and XXXX. No response from XXXX, XXXX said nothing could be done, and XXXX returned my envelope unopened. I have tried many times to get this settled, but have had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: MD

Complaint narrative:
I obtained a loan through XXXX XXXX in XXXX. I attended the program and finished. After 6 months I make payments. Since the program is a scam and only 30 % of people who finish actually get employment I was hard on finding work. From XXXX to XXXX I asked a few times about reducing payments or getting deferment. I was always told that it was not possible. I paid {$210.00} a month usually for the {$21000.00} loan. So my parents who cosigned paid. I later in XXXX was married and we made a mistake on our lease. Due to cost we told them we could not pay, by this time it was a Navient controlled loan. I again had to force my parents to pay. <P/>As of right now my wife and I are filing for bankruptcy. I can not begin to tell you how incredibly angry it makes me that no company with refinance or consolidate my loan through them. I can not even obtain the public servant forgiveness benefit, being a career XXXX due to how the loan is labelled. It is ridiculous these banks are allowed to have more rights than a human. They manipulate and hide behind that title iv law to get money and saddle the poor or those in need with crushing debt. <P/>I am filing bankruptcy to protect my house and vehicle since my wife and I have borrowed too much since we were paying all the extra {$600.00} a month, between her {$270.00} and my {$210.00} payments, to pay the loans but we can not even get rid of them now because they are private loans that are protected by educational benefits. Neither of us obtained jobs related the certificates we received. It sickens me and makes me extra disappointed that my child will one day have to endure these confusing and troubling tricks lenders use to prey on the young and misinformed. <P/>I have made every honest attempt in my life to pay this loan and the balance is still sitting at {$19000.00}. I think that given my employment and access to a forgiveness option PLUS the fact I am filing bankruptcy I should have some way to remove this debt. Its a private loan. Period. A private PERSONAL loan. They will not allow me to remove my parents as cosigners. I can not get income based repayment since I make decent money and they never ask anyway. I never get forbearance as a way to catch up and actually save so that I can not borrow for emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Check Into Cash in XXXX California has breached their contract with me. In regards to the contract for an Installation Loan I took out with them, I agreed to pay {$170.00} bi-weekly on my pay day. Check into Cash withdrew {$170.00} on XXXX XXXX 2017 which was authorized. The following week, XXXX XXXX, they withdrew another # XXXX which was not authorized because I do n't get paid on the XXXX week in the month. the manager name XXXX has my file that includes my pay stub and my pay day weeks. After several phone call, on Wednesday, XXXX XXXX the Manager told me she would " look '' into it and that it was " sitting on her desk ''. She agreed to get back to me. I never received that phone call so I continued to call her in regards to this issue. She agreed that the withdrawal was a mistake and was n't sure how it happened and will call back. When I did n't get a call back, I waited until the following day to contact them but she was NOT in the office. I spoke to someone who claimed to be the Assistant Manager but would not give me her name. I 've spoken to her twice and she has been very rude and avoiding the issue. I 'm still waiting on my phone call back from her to give me resolve on this matter. My fear is that Check Into Cash - XXXX California will try to take another {$170.00} from my bank account on Wednesday, XXXX XXXX ( which is my pay day ) However, this would be unfair as a consumer as they have already billed me twice. I do n't have a bank statement yet as it is too early and wo n't get one until next week. I am willing to provide it later in the process. I filed a complaint with my credit union - XXXX XXXX XXXX, the BBB. This company is taking advantage of hard working people trying to survive. Please, I ask that you help me in resolving this matter. I can be contacted via email and phone number. Thanks XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Every year I have to re apply for the income based repayment option because I can not afford to pay {$700.00} to {$800.00} per month for my student loans. You have to apply prior to the plan running out. And each year I apply at least a month before as suggested and it still takes months to get it to go and in the mean time I am put on deferment or forbearance. I do not like these options it does nothing to assist with the interest at all so the balance keeps getting larger and larger. Each time I apply I provide my paystubs showing my income and I even provide a break down of the bills I have to pay each month as well as how many live in my home and my spouses income. Every time they keep asking Repeatedly for the information I have submitted over and over. Navient has also make it more and more difficult to locate and print out the application needed to apply. You have to call them to get someone to navigate with you to get the forms and while doing this they are attempting to collect. The automatic repayment amount of 1 % of the loan balance is way out of reach for most if not all borrowers. When you have over 30,000.00 in loans paying XXXX on top of mortgages, rent, car, insurance, utilities ect this 1 % is not feasible at all. This needs to be rethought out by the government. It needs to take into account the borrowers debts not simply their gross income. But what they are bringing home and what living expenses they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.

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 monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX 2003 XXXX XXXX called me to advertise a program. At that time I was going to college and it was a bit difficult for me to get the time that I needed to attend the classes. So, when they called me I thought it would have been a great opportunity for me to have a steady job as they promised ; in order to finish my college education. So, I accept to sign in. At that time they told me that the tuition will be for about {$26000.00} and I will only pay about {$12000.00} because the government will be responsible for the remainder. However, that was a lie. Around 2003 while in class they called into the financial aid office just to sign on forms that they have already filled out. I thought it was for my best interest because I was in class, so, I do n't miss the teacher 's instructions. But, later on I have realized it was because they wanted to be successful into their scam activities. So, they made me sign on loan for {$12000.00} with XXXX XXXX. I could have said well, XXXX XXXX does not have anything to do with the school being a lawbreaker. But on the other hand I am thinking they must have known something. Because they can not allow anyone calling them and asking them to support a student without knowing who the student is and who the business is. For example if I were to call XXXX XXXX and ask them for {$5000.00} loan or for {$50000.00} they will ask me what type of business that I am conducting, they will also ask me for a proof of license. If they do n't do that that means they are in fault. They will however, get rip-off all the times ; and that is not business. Which means they have to do a thorough search before accepting a request. They either knew who XXXX XXXX was or was an accomplice with them. Therefore, I should n't be the one victimize for this scam game. And like I mentioned if they did not do their research before accepting the school request, this experience ought to be a good lesson for them. Therefore, I am asking for this loan to be erased from my account and also to be reimbursed for the total amount that I have paid to them for eight years which totaling {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.

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 2017-06-29 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had my computer hacked the later part of XX/XX/XXXX. I had tried several different times to notify the company regarding my new email address and they were for some reason never able to correct my new email address nor did I get any paper statements in the mail. I had been making the payments from internet and made my final one I thought since I never received any statements for several months until XX/XX/XXXX. I 've tried resolving this issue with XXXX working with the department stores. I immediately called the store and found that they have a balance and at that time I paid this in full. Just a soon as I found that there was a balance and at that time was told that they had entered a 30 day late on my credit report.Asked to have it removed the 30 day and was told could not. Balance paid in full on XX/XX/XXXX {$240.00}. Copy attached Also attached emails since they changed my new email address. Never any for months before. <P/>I asked if this would be corrected on my credit report and they said it would never be.Tried several times to dispute this and they never would change. I 've got great credit. This was not I feel my error. Never did I receive a statement from them Until XX/XX/XXXX.Please show that these statements were sent  out to me.

Company response to consumer: Closed with explanation