vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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: OH

Complaint narrative:
NAVIENT whom has already been under scrutiny for its poor, shady collection practices is making it absolutely impossible to pay off my student loans. They try to put you in a forbearance or an income driven payment plan neither of which ever pays on the principal balance but continues to incur interest. I am doing my best to pay off my all my debts but this is unjust and impossible to pay off a loan under these conditions. Its hard for me to understand how this is even legal. If you reference the show the patriot act volume 2 episode 4 aired on XX/XX/2019 it gives a breakdown of how Navient is conducting business and it is absolutely unjust if not criminal. I have spoke with Navient in regards to me only paying the interest and it being impossible to ever pay the principal and i received no argument to my claim while on the phone, instead just what steps i need to take to begin paying them. Something has to be done, this seems unconstitutional like im being robbed because i spent a period of time in school trying to better my education, when in reality all these loans have done is allow Navient to place be in Debt that I will never ever be able to pay off. Please help me find a solution to this ongoing problem that's not only effecting me but thousands if not millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
I had a cell phone account with XXXX XXXX and moved to an area that had very poor service. I asked XXXX to allow me to opt out of my contract without penalty and they agreed over the phone. I cancelled my service ; but months later they sent a company called XXXX XXXX after me for the early cancellation fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Every day using robot calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried, on line, to place a personal credit security freeze with Experian Credit Bureau. I answered all questions correctly, but it was not accepted. I had been paying Experian {$19.00} per month for this, but have been told that I should not have to pay. My self explanatory letter to Experian is attached. I had no problem with XXXX or XXXX. I know other people who have had problems with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I called in to make a payment on or about XX/XX/2019. I spoke to a representative who advised me of different payment options to bring my loan current. She told me that my payment would be around {$570.00} and that I would not have any capitalized interest. I specifically asked her about the amount of my payment and about the capitalized interest. She gave me answers to those questions before I agreed to the forbearance. She then put me in the IVR to say I accepted what she told me. Then, she set me up on auto payment and told me that my payment would be lower the next month because I would get the interest rate point deduction for being enrolled in auto pay. I called Navient on XX/XX/2019 to request that my next payment be drafted on XX/XX/2019. I was advised at that time that my next payment was going to be around {$610.00} dollars. This was higher than the representative quoted so I requested to be transferred to the department that handled this. 
I spoke with XXXX, a supervisor in that department. I asked him to review the phone call I had with the representative before I voiced my complaint, as I wanted to make sure I was remembering the XX/XX/XXXX called correctly. He reviewed the call and called me back. He confirmed that the representative did give me incorrect information. Specifically, she told me that my payments would be {$570.00} dollars per month and she told me that I would not have capitalized interest. She also told me that my interest rate would be reduced due to enrollment in the auto pay. She told me all of those things and that is what I relied upon in making the decision to enroll in this forbearance. He told me that it did not matter that she told me this incorrect information because I accepted the terms on the ivr system. He said there was nothing he could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Hello, I had two student loans with XXXX XXXX loans and both were delinquent. On XX/XX/XXXX i made a payment of XXXX towards the smaller of my two loans with them. This payment was making this loan current as of XX/XX/XXXX. I received a letter from Sunrise Credit Services Inc on approximately XX/XX/XXXX ; a collection company collecting for both debts. I logged back into my XXXX account online when i received the letters and it showed that both accounts had been paid off. I called XXXX the same day to ask where the XXXX had been applied because in their system it showed it had been reversed ; the representative told me that it was forwarded to the collection company. 

I logged into the account with Sunrise Credit Services multiple times since XX/XX/XXXX to verify if the payment was applied and finally saw online on XX/XX/XXXX that the payment i made of XXXX had been split 3 ways ; the loan my payment should have been applied to had a balance of approximately XXXX dollars according to the XXXX website, and then the other loan was approximately XXXX dollars. I spoke with XXXX XXXX on XX/XX/XXXX at Sunrise Credit and she explained that the loan that was showing as XXXX in XXXX 's system was originally disbursed in two disbursements so they were technically two separate loans ( i.e. approximately XXXX a piece ), so XXXX was applied to XXXX XXXX dollar loan, XXXX, to XXXX XXXX loan and XXXX to my loan with the balance of XXXX the application of the payment to my loan with the balance of XXXX is incorrect. The way they split the payments i believe is in violation of the Fair Debt Collection Practices Act as i had specifically paid the smaller of the two loans with the intent of paying it off afer that only to have it sent to collections and I don't think it should have been sent to collection since i paid it current prior to the insurance/guarantee company paid it off. The loans shows it was paid as of XX/XX/XXXX by the insurance/guarantee company on the XXXX site by the insurance company but i had already made my payment on XX/XX/XXXX. I have attached screen shots showing how Sunrise credit applied my payment and also screenshots of when i made the payment to XXXX - it shows the loan the payment should have been applied to. 

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
We are writing consumer finance in hopes of obtaining answers from Fay Servicing concerning our mortgage payments, mortgage note. These are questions that have gone unanswered by Fay Servicing. 
Fay Servicing started taking over our mortgage payments in XXXX transferred to them from XXXX XXXX XXXX. 
1 Why our mortgage payments are not being applied towards our mortgage as of XXXX XXXX? We discovered that Fay Servicing was not applying our payment toward the mortgage, after reviewing our payment history on-line at Fay Servicing homeowners portal. Granted that we miss two mortgage payment because one of the homeowners became critically ill in XX/XX/XXXX and diagnosed with XXXX in XX/XX/XXXX. The two payments we miss were in the months of XX/XX/XXXX and XX/XX/XXXX months of paying medical bills, hospitals testing and XXXX treatment. 
2. Fay Servicing suddenly stop processing payments from us XXXX XXXX AND we need to know why? We started paying Fay Servicing extra money over our mortgage payments towards the months we missed XX/XX/XXXX and XX/XX/XXXX and then Fay Servicing suddenly stop processing own payments. We want to be current and want our payments to reflect that we are paying towards being current with Mortgage payments and Mortgage Note. 
2. We want to know what company owns our mortgage note? We received two different Mortgage Interest Statements for XXXX, one fromXX/XX/XXXX and one from Fay Servicing. 
3. We want to pay off our Mortgage Note XXXX XXXX and need to know what company owns the Mortgage Note, the company mailing address and phone number so we can start processings to pay off the Mortgage Note. 
4. Why Fay Servicing is not corresponding or replying to our emails?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: ID

Complaint narrative:
I did not RENEW my subscription with XXXX  XXXX, yet they sent an erroneous billing to collection agency A.R.M. Solutions, INC. XXXX XXXX XXXX XXXX XXXX CA XXXX. I owe XXXX XXXX nothing since I did not renew.

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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
I purchased some products from XXXX in maybe XX/XX/XXXX, I returned items as they did not fit, In XX/XX/XXXX they placed a collection on my credit report. I sent them verification and it was removed. I found today that it has been placed back on my credit report and re-aged. This is a violation of Fair credit  reporting. Also under NC law an item over three years in non-collectable. I contacted the collection agency and they refused to send me any documentation with my signature and /or a contract with the collection agency that I agreed to pay them or entered into a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a phone call from my mother stating that a process server was trying to serve me with a summons and complaint to her home in XXXX XXXX, MI. I have lived in XXXX, GA for the past 15 years. When I called Midland the representative advised me that he could have no more contact with me because they were not licensed to practice debt collection in the state of GA. I asked him what would happen with the summons and complaint and he said it would be dismissed. I asked for that in writing and he advised me that he could not send any mail or email to me because I was in GA. That was on XX/XX/2019. Today I spoke with the 10th district court in XXXX XXXX MI and the clerk advised that no order for dismissal had been received to date. 

I feel as if Midland purposely filed paperwork in the wrong state because they are not licensed to collect debts in GA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
My roommate and I rented a home from XXXX XXXX XXXX in XXXX, GA. 
When we moved into the home there was very extensive damage. The house flooded on the entire first floor. It was covered in bugs and it was filthy and we were without water. They did not give us any options for housing at that time. They did finally start sending out repair workers, but they all seemed to have no idea what they were doing. One man was so out of it ( Im assuming he was on drugs ) he went into our pantry instead of exiting out of the front door where he came in. He also asked us for drugs. Of course, we told him he needed to leave. Again, XXXX XXXX XXXX did nothing to help us. They did get the water out of the house and for a little bit we thought it would be ok to inhabit, however, other problems started arising. We were seeing mold and could not get them to address the issue. My roommate decided she couldnt live there anymore and I did not want to break the lease, but I couldnt do it on my own. They refused to work with me. I tried to find another tenant and they made it so difficult. After my roommate moved out, I was in the kitchen one night while one of my kids was in the bath upstairs and all of a sudden water was pouring from the ceiling into the kitchen on my new table and chairs. It turned out to be the bathtub upstairs. I was afraid the tub was going to fall through the ceiling. I called and it took them quite a while to come out. A repair man did come and fix the leak and clean up what I could see of the water. However, my table was now ruined. After this, I was still trying to find a way to get out of the property. It didnt feel safe. Then, I finally tell them that I need to break my lease and they agree to let me and I gave them a move out date. A few days later, they put an eviction notice on my door. During my last week or so there, I saw more and more mold and sent pictures to them. No matter how many times I bleached it, the spots would not go away. They blew me off as usual. I confronted them about the eviction and wanted to know why they would do that after we came to an agreement and nobody could answer my questions. Once I moved out, I was never contacted about any fees owed. I changed my address with the post office, my number was the same, my email address was the same. Next thing I know, Im being contacted by a collection agency. Theyre trying to charge me eviction fees and these massive cleaning and repair fees of over {$7000.00}! When I left that home, it was completely spotless. Far more clean than when I arrived. It is absolutely fraudulent. I have been fighting with them for over 4 years now. I have photo and email evidence to back up all of my claims. I dont want this to happen to anyone else.

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 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I sent a Monet gran transaction to my fiance on XXXX XX/XX/2019 to XXXX, XXXX. I got a message the transaction was successful and complete. However shortly after that I got another notice from MoneyGram stating the transaction was cancelled and a refund would be issued to the card used. I called MoneyGram and ask what was the reason and wasnt given a valid reason and I would have to wait XXXX business days to recive the refund. I feel like that is unfair and I need the money refunded immediately since it was cancelled so I can use another method to send it. XXXX XXXX # is XXXX dated XX/XX/XXXX. I request an immediate refund to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: CA

Complaint narrative:
Every single year since the mortgage originated ( XX/XX/XXXX ) my  escrow has increased by {$200.00} because the mortgage company isnt calculating escrow properly, or is not paying taxes properly. The first year my mortgage increased by ~200 in XX/XX/XXXX, then I got a refund for overpayment in XX/XX/XXXX of about {$900.00}. Then my mortgage jumped back up by about ~200 a few months ago, and once again I am getting a letter reflecting a shortage in escrow. My taxes have increased, but its insignificant compared to the increase in monthly payment. 
When I asked them, they said they paid the taxes incorrectly. This is a costly mistake for me, as the mortgage keeps increasing by {$200.00}! Is there any action I can take against them, as the unpredictability is not good financially for their customers, and feels unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
Late last year, I received a letter from a collection company called Phoenix Financial stating that I owed {$1200.00} to a company called XXXX XXXX XXXX. Shortly thereafter there appeared entries on my XXXX and XXXX credit reports as well. I contacted the collection agency via is mail in XX/XX/2018 asking for specific information about the alleged debt, as I had never heard of any of the companies involved and in no way felt it could be owed by me, and that if they could not verify the information as requested the were to cease communication and remove the credit reporting entries. To date there has been no further communication from Phoenix, yet they still fraudulently continue to report the account that isnt even mine to the above referenced reporting agencies. I would be happy to provide you with a copy of the letter that I mailed back in XXXX as well. Please have this company stop reporting an account on my reports that doesnt belong to me.

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