vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I receive numerous calls from a couple of different numbers claiming to be collecting for American Express. The " representative '' ( XXXX XXXX ), with a heavy XXXX accent, left a voicemail message. The message claims that they are trying to collect on an old account with a balance of {$5100.00} and that they can settle the account for {$2800.00}. Once I did not answer or return the initial calls then the " representative '' proceeded to call me back to back from one number 5 times ( within a two minute period ). Then the " representative '' proceeded to call me from yet another number ( It sounded like a cell number while riding in a car or on a train ... I could hear the wind in the background ). On this message she, the same woman, left a totally different name XXXX XXXX XXXX, but she had the same heavy XXXX accent. She then proceeded to call me back to back from this cell phone 9 different times ( within a 6 minute time frame ). This is really becoming disruptive and a true headache. Please HELP!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I have two private loans with loan servicer, American Education Services. Their website is www.aessucces.org. 

My monthly payment is due on the XXXX of every month. Im currently past due {$460.00}. Right now, Im unemployed and there is no way that I can make these payments until I get a new job. 

I sent in a letter to be forwarded to the lender on XX/XX/2019, asking for additional forbearance or deferment since Ive apparently used up my other options according to AES. 

Ive called every day since Ive sent in the letter, but to no avail, its still under review. I dont see how reviewing a letter can take so much time. 

I want to resolve this issue as I have a co-signer on the loans and I dont want to impact them on the credit reports. 

However, Im stuck between a rock and a hard place because I have no way to pay back the loan currently. 

Please advise ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have five inquires on my credit report that I do not recognize the inquires include on date on XX/XX/2018 from credit acceptance/CAC, On XX/XX/2018 come credit acceptance/CAC, on XX/XX/2018 from credit acceptance/CAC, on XX/XX/2018/ from XXXX XXXX XXXX and on XX/XX/2018 from XXXX these five companies have inquired on my credit report without my permission

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 2019-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX when taken over by FDIC. Over appraised home by {$95000.00} using a second appraisal when first came in much, much lower. At closing never paid all funds. Went out of business before addressing fully. Sent 3 people to my home on XX/XX/XXXX to harass me banging on windows and doors frightening my children and arousing neighbors. Filed foreclosure proceedings that were dismissed for failure to prosecute XXXX XXXX XXXX.XX/XX/XXXX-XX/XX/XXXX Claimed ownership of Note and mortgage through FDIC. Rejected 10 loan modifications from XX/XX/XXXX-XX/XX/XXXX. Filed two foreclosure complaints, second was picked up by XXXX XXXX XXXX XXXX who bought mortgage during litigation from XXXX.both dismissed. 

Bayview Loan Servicing LLC.XX/XX/XXXX-XX/XX/XXXX Have no original Note, was not in possession of it at time it filed foreclosure summons. Still awarded Summary Judgement even though they admitted that their affidavit was wrong, and found a missing {$7600.00} 1 year into foreclosure proceedings, proving at was not even in default when lis-pendens filed. Judge is a close family friend of my ex wife and should have recused himselfas he did in two other cases involving us. Appeal being filed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions LLC, I've tried on several occasions to settle the debt on with XXXX, XXXX XXXX, and I've been lied to, intimidated, threaten, mislead, and consistently harassed. When I tried to pay the debt, I consistently asked for a website to pay the debt and have some kind of paper trail. When they finally conceded, they gave me a website that had been shut down by the federal government for suspicious debt collecting practices. This shady behavior continued. They called my parents, lied about who they are, used 12 different phone numbers, left multiple voicemails, and called after I had asked them to put me on a do not call list. Lastly, I tried to settle the debt and pay it off. A number of complications occurred when they tried to deny the settlement payment to get me to pay the full amount. 

I've tried all different avenues to settle this and have had no success. They constantly change their terms, fail to abide by their own rules as stated in the faxes sent to me, and have even hung up on me while I try to pay the balance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.

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 2019-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
A Debt collector has put me responsible for a debt that wasnt made by me or consent by 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 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coastal Credit, LLC
State: AZ

Complaint narrative:
This complaint is in regards to Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - Customer Service/Collections : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX Coast Credit LLC filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX Coastal Credit LLC filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One illegally closed my account for inactivity. I tried to use my card today and was declined. I called Capital one and they informed me my account was closed for inactivity. They never sent me any warning notice letting me know my account was going to be closed due to inactivity. I never received a notice letting me know the account was even closed. If I would not have called them, I would have no notice the account was even closed. I requested to speak with a supervisor who basically kept repeating the account was closed and was totally unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My loan was originally with XXXX which later in XXXX, 2019 got transferred to PHH Mortgage Services. 
In XXXX of 2019, my XXXX online account showed {$0.00} payment due, so I called to inquire and I was informed that I was qualified for the Federal Disaster Mortgage Forbearance and that I did not need to make payments for three months. I was also told that regular payments would resume at the end of the three months. In XXXX, 2019 I checked my online account after receiving an email from XXXX about statement availability and again, it showed {$0.00} amount payment due. Every month after that the account showed {$0.00} payment due. 
After the transfer, I tried to make my regular payment to PHH but it was rejected. When I called PHH to find out why, I was told that I owed money for six months starting from XXXX of 2019 and that there were no documents in my record about the Federal Disaster Mortgage Forbearance. Going back to contact XXXX is no longer an option. I was verbally informed over the phone with XXXX of the Federal Disaster Mortgage Forbearance, but I never received any related documents. However, I also never received any notices in any form to alert me that I had missed any payments. I had thought that my regular payments would have started again with XXXX in XXXX of 2019, but every time I logged into my account it showed {$0.00} amount due. I had no idea if it was related to the transfer or the modification I had applied for. Now, PHH is demanding {$21000.00} of back payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was trying to consolidate my student loans into a single loan. However, due to an issue with the paperwork from my school to the XXXX XXXX XXXX, only my XXXX XXXX loan showed me as graduated while my other 8 XXXX unsubsidized loans took an additional 2-3 weeks to show me as graduated. In the interim, I had applied for consolidation through the department of education website. Shortly after, I received a notice from Navient stating that 8 of my loans could not be consolidated due to the " in school '' status. However, instead of stopping there, Navient " consolidated '' my XXXX XXXX loan by itself, which did not actually combine any loans together but did raise the interest rate on this loan by 0.025 %. When I called them, they said that the notice sent to me states that I could have chosen to not consolidate the single loan and that since I did not opt-out within a few days of receiving the notice, they would not undo my loan/return the interest rate to its original amount for when I eventually consolidate all of my loans together. However, their notice is not as clear about this as they claim. When they said I have the options to remove loans from my consolidation, I think it is natural to assume they meant I could remove the loans that were unable to be consolidated due to " in school '' status. Also, I think it is predatory to " consolidate '' a single loan ( which simply raises the interest rate ), and that I would have to opt-out rather than opt-in to this action that only worsens my interest rate without any benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: UT

Complaint narrative:
We are the home sellers. The buyers are getting a VA loan through Orion Lending. VA inspector did the VA inspection on XXXX XX/XX/2019, closing was supposed to be on XXXX XXXX. Heard nothing from the lender so closing was delayed to XXXX XXXX. We were not informed of repairs necessary until XXXX XXXX. All repairs were completed by XXXX XXXX. Re-inspection was done and repairs approved on XXXX XXXX. Orion Lending didn't get the closing disclosure sent out until XXXX XXXX, then their systems went down for a day. Now documentation corrections are needed for the title company and closing was again delayed to XXXX XXXX. This entire process has been one delay and error after another. It is probably too late to get this incompetence fixed for our house sale, but this could serve as a warning to anyone else who wants a mortgage through Orion Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
This company sent me a live check for a loan which was a huge mistake for me to deposit but I was desperate & without work at the time. After the check processed I tried to set up an account online but was unable to & had no correspondence from this company or even a notification of when my due date would be even though the agreement said they would contact me to let me know of my due date & payment due. I did not hear from them until today, I missed a call from them. When I returned the call I spoke to XXXX & she told me my first payment was a day late. I told her I would have the payment & the late fee in a week. She became irate & demanded to know why I could not make payment today & persistently badgered me about how I needed to find a way to make a payment today. She then told me that if I did not bring payment today they would come to my workplace tomorrow & try to collect payment there & if I did not have it then they would have me arrested. They are predatory, berated me & harassed/threatened me. I will continue making payments as soon as next week & the loan will be paid off in full in XXXX but after that I will be contacting a lawyer about their treatment of customers.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently made a call to Comenity Bank, the bank that financed an engagement ring that I have recently purchased. I called a couple weeks ago to set up future payments. I have never given authorization to take any funds out of my account until the date of my scheduled payments. I have been paying online prior to setting up future payments. Last week before lunch, I went to check my account and noticed that {$400.00} had been taken out of my account. I'm well aware that all calls are monitored and recorded, and I am fully aware of the conversation. I never authorized for comenity bank to take money out of my account for this reason alone. When I called to resolve the issue, the conveyed to me that they would have to investigate the situation. I didn't understand why it would be so easy to take {$400.00} out of my account illegally, but not return my money, which also lead to multiple overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My XXXX have prevented me from working outside the home for most of my life as my XXXX XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. XXXX sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 XXXX put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by XXXX have prevented us from being able to obtain new housing. I have spoken to XXXX representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy XXXX is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until XXXX put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a letter on XX/XX/2019 congratulating me on my new line of credit with PayPal credit. I did not authorize, open, or request this line of credit. 

Upon investigation, I discovered that a line of credit in my name, with all my details, had been opened with Synchrony Bank under the guide of PayPal Credit. They put a hard inquiry on my credit reports to issue this line of credit, and my overall credit score was lowered as a result. 

An agent I spoke to in the ( arduous ) process of closing this unauthorized account let me know that PayPal has " upgraded '' some user accounts to this new credit line. Why, I don't know. All Synchrony can tell me is that the request came from PayPal, they can't differentiate between user triggered and " upgrades '' requested by PayPal. 

I contacted PayPal and inquired if this is what they had done and was met with a lot of obfuscation. First, I was directed to PayPal Credit. I explained ( repeatedly ) to XXXX XXXX, the agent, that I had spoken to them and that the information I needed would have to come from PayPal. I explained this several times. It was like I was not speaking. He continued to give me information about PayPal Credit and how to contact them regardless of how many times I told him that was not what I needed. 

I asked to escalate the chat and he said that he would but everyone would say the same thing because they're calibrated. He then said I would have to call PayPal Customer Service, that this wasn't possible to discuss on chat. 

So to sum up, a line of credit in my name was opened without my authorization, is the sole instance of fraud on my credit report, damaged my overall credit score by issuing a hard inquiry that I did not approve, took over an hour to close the fraudulent account speaking with multiple agents at Synchrony Bank ( who all gave me different " definite '' information ), and then when I inquired with PayPal directly to see if they had authorized this, which they fairly clearly did, PayPal fell conveniently deaf and/or off the record. 

Synchrony Bank didn't get my name out of thin air. PayPal is " upgrading '' customer accounts unasked and damaging their credit in the process in a misguided, illegal attempt to promote their new line of credit regardless of the cost to their customers.

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