vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX SHOULD NOT BE ON MY CREDIT FILE. IT HAS BEEN REMOVED FROM THE CREDITOR. AFTER MY DISPUTE WAS SUBMITTED XX/XX/2017 AND INVESTIGATION WAS CONPLETED. I RECEIVED A CONFIRMATION LETTER OF REMOVAL FROM THE CREDITOR XX/XX/2017.IT WAS REMOVED BY TRANSUNION.THEN PLACED BACK ON MY CREDIT FILE FOR UNKNOWN REASONS. ALSO LISTED AS A COLLECTION. WHICH IS INCORRECT

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 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After multiple letters and phone call these inquiries and accounts are still not deleted, need info deleted from credit bureu. 
Please delete inquiries I did not approve or have account with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following accounts : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.

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 2017-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: OH

Complaint narrative:
I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not authorize the following inquires on my credit report, they do not belong to me. I disputed this with Transunion and have not heard back from them.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2017 I submitted a dispute to all XXXX CRAs. I have received the results from TransUnion and XXXX, but not XXXX. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against XXXX in Court. Each report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date. Dispite providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt. XXXX has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is hanging onto old accounts that should have been allowed to fall off. They are still posting.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
This complaint is associated with case # XXXX The complaint must be corrected as to the location of the property address which is incorrect as shown. The property address is : XXXX, DELAWARE XXXX Nationstar 's response to this complaint is unacceptable. For the past 6 years, Nationstar has used the same response to all queries- " We will check for error ''. We want our questions answered and want them to stop stalling. They have no escrow department and after all this time, they are admitting they have no idea where each of our payments went? This is what we want answered as per our complaint : Payments have been posted late, even though we have tracking numbers ; who is receiving these payments? The transaction history reports have been manipulated- each one is different ; payments were applied to a bogus escrow account rather than interest and principle as per the law. XXXX checks were returned and refused by Nationstar in order to force a manufactured default and ultimately an illegal foreclosure. A Nationstar witness in Court testified to the non-existence of an escrow account, yet Nationstar needs 30- 60 more days to determine if their witness was reliable!?!? Twice, Nationstar paid our homeowners insurance when it had already been paid. Why is Nationstar the MORTGAGEE on our insurance? They refuse to answer this!! 
This is an unacceptable response from Nationstar and we demand answers!! Not 60 days from now, but now! Do you need this time to make up answers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. 
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. 
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. 
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). 
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). 
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. 
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC.
State: WA

Complaint narrative:
I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I called Transunion 15 times and told them I have someone applying for credit in my name. The other bureaus have started their investigation of fraud inquiries. Every time I call, i get to the fraud department only for them to read a script that it is a statement of fact and they will not investigate this. They are violating the law and I need to it that either they are going to correct these inquiries on my credit or I will continue to pursue them, in court if I have to. Please have them comply with the FCRA.

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 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Nationwide Credit Corporation
State: CA

Complaint narrative:
I have received numerous calls before XXXX Pacific time from this agency. Some calls are as early as XXXX Pacific time even though I instructed them that I am on the XXXX and calls this early are not appropriate.

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 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.

Company response to consumer: Closed with explanation