vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
XXXX  XXXX XXXX sold my home equity loan to Specialized Loan Servicing, LLC. in  XX/XX/2019. My payments are scheduled and paid online thru XXXX XXXX XXXX  XXXX XXXX NC from my checking account. The payment for XX/XX/XXXX from my account at XXXX XXXX went thru successfully. My payment for XXXX was mailed back to XXXX XXXX, reporting the address was incomplete, even though the payment for the previous month went thru fine. The person I talked to indicated that the ZIP+4 was required and that is why the payment bounced. The address they gave me in their letter of XX/XX/XXXX indicated only the ZIP code. Late charges and other fees showed up on XX/XX/XXXX, and the loan was reported as over 30 days past due and the foreclosure process was started. Specialized Loan Servicing, in their letter of XX/XX/XXXX recommended that I find more affordable housing. When I called them on XX/XX/XXXX, I was advised that the fees to stop foreclosure were in excess of {$500.00}. They required a immediate debit card payment to stop foreclosure, but they said my debit card didn't work. I know my debit works, as I have used it since then. I gave them my checking account bank routing number and the checking account number. The fee had risen to over {$1100.00} yesterday. 

This feels like some sort of SCAM and I am afraid they have run this SCAM on enough people to have it down to an art form. The only way I know to escape is withdraw some of my retirement fund and pay it off. But they will probably XXXX up the cost of closing out the loan if I do that.

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 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: FL

Complaint narrative:
The company failed to respond to the concerns surrounding the violation of UDAAP. I explained on the call and the letter i was not in the right frame of mind at the time of the loan and their agents knew it. I was distraught by being behind on a vehicle at time of this purchase. Their agent took advantage of me and put it a worse situation. This company told me at the time of the loan they did not take into consideration the vehicle i had outstanding when it came time for the DTI calculation. I was told they only look at the new loan amount and the gross income. Logically speaking it doesnt make sense to take on a second vehicle with a higher payment than the one i was behind on. This is a predatory lender that has had class action suits against them and i bet there are several people that have the same scenario as me. The prey on people with challenged credit. The want people to default on loans by putting them in unfavorable situations. What I asked for is not unreasonable. So once again. Please purchase the account back and close the loan without selling it again.

They did not even look at the account until after they spoke with me. This company needs to take the consumers concerns seriously instead of just providing a blanket statement like this one. I was coached into the responses they are referring to by the agents.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AE

Complaint narrative:
I was originally assigned XXXX as my loan servicer for my federal student loans following graduation. I enrolled in a qualifying repayment program in order to work towards Public Service Loan Forgiveness and within about a year I was transferred to FedLoan Servicing. FedLoan Servicing has now been my loan servicer for a few years. I am extremely frustrated with the lack of response to my repeated requests to review my qualifying payments towards PSLF. I have asked and asked for a few years now for an updated count of qualifying payments made while I was with XXXX. The FedLoan organization has so far only counted payments made since I was transferred to them. I make regular calls, send emails, and it goes nowhere. Their staff has gone from asking me to be patient, to blaming it on XXXX for not transferring my documents, to stating that actually XXXX did share my documents right away but it " takes time '' to review the file. It doesn't. I've done the count myself in a matter of minutes. You can easily confirm that I was in a qualifying repayment program and count the number of payments I made during my time with XXXX if you just take ten minutes to review my file. This should NOT take years. I have sent emails, talked to countless customer service reps on the phone, and even been told that I am not allowed to talk to the staff who actually handle the file reviewing because they do not take phone calls. I was not allowed to speak to a supervisor either. This is ridiculous and I intend to file a complaint with the XXXX XXXX XXXX, the Consumer Finance Protection Bureau, and I am also looking into lawyers. Does FedLoan Servicing understand that they are messing with people 's futures when they do things like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I recently made a payment on my loan consolidated through Navient. I have a message on my cell phone about an alert for my account, so I checked my account. It shows my payment, but then it shows a payment reversal so that this amount was apparently returned. I don't know why that happened. It has never happened before. 
The very frustrating thing is that there is no way to contact Navient about this through a message, and no information about why this happened. I have looked all over for contact information, and there is a phone number or written correspondence. This is not good enough. To expect me to take time out of my busy work day to stay on the line for a long time, when I had made a good faith effort to make a loan payment - it is not feasible. 
Navient needs to make reasonable means to contact them about student loan issues. Making it difficult to contact them enables them to get away with unfair practices that disadvantage borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX branch manager, Wells Fargo refuses to send statements by mail or with password through to same email on record. I spoke to XXXX last week and gave several account numbers.

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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account and this debt is not valid. The company also parked the debt on my report and did not notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XX/XX/2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I had a wireless account with XXXX and somehow the billing got screwed up and my service is disconnected. So I know I owe XXXX but I have already paid {$1400.00}. into the account when it was current and not sure how I am owing {$2600.00} sent by a collection agency after a year of service for an XXXX and XXXX. I sent in a written request to validate debt and they put it on my credit anyway with out verifying and they are calling me all day while I am at work. I would like them to remove the debt from my credit report and validate how much I owe. I am attaching the bill from XXXX. I call XXXX  and they cant get the billing right. The debt collection agency is Credence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is blocking me from obtaining my annual free credit report.I have tried many times to access, but I keep getting the message " Your report is not available online ''. Every time I call TransUnion to have this issue fix i can not speak with someone without my report number, a number I don't have because they won't let me access my report. i have a right to have my report, TransUnion should be held responsible for everyday they deny me that right.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am in the process of refinancing my mortgage. I have reached out to 3 different lenders to rate shop. Based on the CFPB website, it is my understanding that all hard credit pulls related to mortgage shopping within a 45 day window of the first pull are counted at 1 pull for scoring purposes. However, I spoke with XXXX XXXX at TransUnion this morning who informed me that TransUnion uses a 14 day window. I had hard pulls for my mortgage on both XXXX and XX/XX/XXXX, more than 14 days apart but less than 45 days apart. TransUnion 's assessment has negatively and unfairly impacted my score with 2 hard pulls when it should not have. I would like for them to correct this error but am told they will not.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
HUNTER WARFIELD INC is reporting on my credit that I owed them {$3200.00} which I do not owe. They are stating they are collecting for a property management company that I do owe. They have not provided me with documents that verify this debt nor have provided me with anything letting me know about this debt before they reported it on my credit. This debt is not my. I have found out that they have been reporting this inaccurate information for over a year now. Something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XX/XX/19 disputed Transworld System Acct # XXXX for the XXXX XXXX. I paid money to them when and I had insurance. I was told to pay an amount before I even had XXXX and Ive never received anything else from them. Ive attempted several times to get a copy of the invoice from transworld they told me that the collector that sold the account to them. Didnt provide them with one and they would have to get it or I could call. I did that and nothing. Ive never seen an invoice in the amount of {$250.00}. And of the account was sold to the collection agency why dont they have one? I dont know how they have provided any proof when I havent received anything as of yet and its damaging my credit. I feel that it should be removed since they can not provide the information. Ive been getting the run round for over a year. I dont feel I should have to pay something that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated in XXXX from University of XXXX  at XXXX with a XXXX XXXX in XXXX. I consolidated my student loans and was making timely payments. In XXXX, I moved with my young family to the XXXX NY area and began working for XXXX  XXXX ( XXXX XXXX ) - a state hospital which is designated as a Disproportionate Share Facility. I learned of a student loan repayment program, applied, and was accepted. For three years, from XXXX, I participated in the program. I left XXXX  XXXX in fall of XXXX, and returned in XXXX of XXXX -- I have remained a full-time employee of this company every since. In XXXX of XXXX, I received a Certificate of Completion for XXXX Student Loan Repayment Program and a congratulatory letter from US Dept of Health & Human Services ( see attached ). From that date, XXXX of XXXX, I NEVER received ANY further correspondence, bill, or indication of further student loan debt. 

Fast forward to nearly 10 full years later, XX/XX/XXXX, I began receiving calls from a company and assumed it was a wrong number or telemarketer. It was Navient, claiming that I owed over $ XXXX in student loans to them and that I was delinquent in my payments. I tried to explain to them that I had never had an account with them and did not have any outstanding student loans that I was aware of for nearly 10 years. Shortly thereafter, I noticed that my credit reports had taken a plunge -- Navient started reporting this fraudulent account on my credit reports!! 

Of note, I had just purchased a home for $ XXXX and a new car In XXXX of XXXX. At no point during those large purchases, was there ANY indication that I had outstanding student loan debt. From XXXX on, my credit reports reflect that my student loan accounts are at a " XXXX '' balance and have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX/XXXX/19, we received a letter that our taxes were going up from {$5500.00} total to over $ 9,000/year. On the escrow statement, it appears they added the {$5500.00} from XXXX 2019 statement which included school and property taxes to the school taxes they just paid in XXXX, which were {$3800.00}. We bought the house in XXXX. I called the XXXX XXXX XXXX XXXX on XXXX/XXXX/19 and confirmed that my taxes are only supposed to be {$1300.00} for property and {$3800.00} for school. I then called Citizens One on that same day telling them of this, and also offering the contact information for the woman at the assessors office and they said theyd have an answer for me as to what happened by XXXX/XXXX/19. I followed up with Citizens One on XXXX/XXXXXXXX19 and they still did not have an answer. I explained that they are adding school twice to my bill and they said they cant confirm until they new property bills come out. I also then asked why I my escrow has a balance of over {$7000.00} when they just paid school of {$3800.00} and they said they use it as a cushion. My taxes should only be about {$5500.00} a year so to have a {$7000.00} balance after the {$3800.00} paid for school is absolutely absurd. And then to tell us we have to pay {$500.00} more per month on top of that because theyre reading the tax statements wrong is beyond me. I followed up again today, XXXX/XXXX/19, the day they said they would have an answer by, and there is still no answer. I need the escrow account taken care or immediately as my payment is due XXXXXXXX19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XXXX XXXX 2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been calling for days to dispute a charge on my Comenity Bank ( XXXX XXXX ) credit card. The last time we used this card was in 2017. I have not been able to speak with a rep about disputing the charge, I'm on a never ending hold. I've spent over 4 hours, and all agents are busy message. I tried going online to resolve and the XXXX link for Comenity Bank ( listed on my bill ) doesn't work. When I go to Comenity Bank and try to navigate to XXXX  XXXX I receive a 404 error. 

This happened last year, someone intercepted a coupon in the mail from XXXX XXXX. What's unbelievable is, my XXXX XXXX credit card # is on the actual coupon. What kind of security is this? Assuming someone at the store would ask for an ID. After finally reaching someone at Comenity, they agreed this is a known issue and " has happened more than a few times before ''. Also, please review the attached file, only the last 4 digits of my account # are listed on the top of my bill. If you go to the bottom, my full account # is visible should someone intercept my mail. The card does not have an expiration date, CID, or chip to protect consumers. My card was cancelled after another hour on the phone, so Im not worried about sharing my card # with you.

Company response to consumer: Closed with non-monetary relief