vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Naviant holds the loan. I make my payments by sending return receipt so they must sign for the payment ( in the past they lost a few ) so I know they receive them. However Naviant still calls me every day and sends emails saying my payment is late or that I 'm in default when I clearly know I 'm not. I have all the receipts and am current and up to date. However Naviant continues to harass me every day calling from multiple different numbers at various times of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I purchased a new car in  XXXX  in which it was financed b y Santander Consumer USA. The payments were going fine until I experienced  financial hardships in  XXXX  and fell behind on payments. When I contacted them I was told that since the payments had not been made that the truck had been charged off in which {$27.00},  XXXX  had been written off. I am still in possession of the truck and making payments. I was told by the company that in order for the charge off to be taken off my credit report that I had to pay the loan out in full. I am concerned about this matter because I am paying the note every month but it is still negatively impacting m y credit score. I do  n't think this is fair and not sure of what a fair resolution would be but I do feel that it is unfair to continue to pay the note and it still negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: GREAT LAKES
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Failing or refusing to prove a debt exists and they are authorized to collect it Collection of an amount not authorized by law or by the agreement with the original creditor attemoting to collect amounts of dollar NO dcoumantion proving amounts are owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
CBCS IS TRYING TO COLLECT FROM ME A DEBT I DO NOT OWE AND I HAVE NO CONTRACT WITH CBCS FOR A DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Van Ru Credit Corporation
State: CA

Complaint narrative:
Van Ru Credit Corporation has been continually attempting to collect a debt on behalf of a medical bill based on services that were not properly documented by a hospital outside of my primary provider 's network. This matter was resolved with the provider  (   XXXX   XXXX   XXXX   ),  and the external provider was notified of the proper documentation and billing procedures for these services. I have a recorded phone call conversation between myself, my primary provider  (   XXXX   XXXX   ) , and  XXXX , where all parties involved acknowledged next steps to take ( in the form of a resolution between  XXXX  and  XXXX  ).  XXXX  is required to submit new information, including documented medical codes ( this is at the root of the billing issue  ) so tha t the claim can be properly processed. I should no longer be involved in the claims process, other than to be alerted of a resolution. That conversation took place  XX/XX/XXXX . I have experienced continual harassment in the form of collection letters and phone calls since the time the services were rendered-that was in  XX/XX/XXXX . I have sent a number of letters to the parties attempting to collect debt, and have documentation verifying that these letters were received.

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 2017-06-06 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: CA

Complaint narrative:
I have had an ongoing issue with   XXXX   XXXX   credit. They claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed my   XXXX   XXXX   card online on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX  - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on  XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I called  XXXX  's several times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this with  XXXX  's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact me and got through or that their auto-pay was working correctly.  <P/>  XXXX  's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for  XXXX  's errors!  <P/> I want these late marks on my credit removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PlusFour, Inc
State: OK

Complaint narrative:
Recorded voice demanding I contact them without stating what this is in regard to. If I do n't contact them immediately they will contact my HR dept. ( retired fo r 15 years ). They c all and their number displays from different area codes ( they are using ip based calling )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Good afternoon - I am writing in regards to my PMI ( Private Mortgage Insurance ) removal from my FHA Loan. I been paying my mortgage on time for over 4 years now ( Closed on the house in  XXXX   2013  ). I have asked the mortgage company multiple times to remove the PMI from my loan which is about {$450.00} per mo nth ( cl ose to {$5500.00} a year ). This is an extreme amount of money and is putting a huge financial strain on my family and finances. I have called and i sent messages to the bank and i keep getting rejected every time. I am always paying the mortgage on time and have never been late up to this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: KY

Complaint narrative:
On XXXX XXXX 2017, our client 's email account evidently was hacked changing the client 's wire transfer instructions from his bank, XXXX XXXX XXXX XXXX, to SunTrust Bank in XXXX, FL. A wire transfer in the amount of {$53000.00} was sent from XXXX XXXX in XXXX, KY to SunTrust Bank in XXXX, FL and was deposited into a fraudulent account by SunTrust. The receivers name on the wire did not match the name on the account described in the wire transfer instructions, however SunTrust deposited the money into an account and allowed it to be withdrawn. SunTrust was contacted by XXXX XXXX in an effort to retrieve the wire but SunTrust refused stating the money had already been withdrawn. <P/>We believe SunTrust Bank violated Federal Banking Code 4A-207 of the Federal Banking Regulations ( attached ) and  request a full return of the {$53000.00} that was placed into the incorrect recipients account by SunTrust Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I used a  Capital One  secure credit card to start building up my credit. I was asked for a deposit of {$100.00} to get a credit of {$200.00} at a rate of 24.99 %. I closed this ridiculous account, and I was expecting my deposite back, and it never came. I called them, but it is impossible to get a hold of anyone. I have n't been able to get my deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
NationStar as a mortgage servicing company for XXXX is not customer focused and are not being transparent about their processes for making decisions that affect American Consumers. <P/>On XX/XX/XXXX, I inquired with XXXX/NationStar about the criteria to eliminate my escrow account. On XX/XX/XXXX, they shared with me that my loan to value ratio was 92 % and did not meet the 80 % criteria for elimination. That same day, XX/XX/XXXX, I sent a follow-up question about how they calculated my loan to value ratio. <P/>On XX/XX/XXXX, XXXX/NationStar shared with me that using my original loan appraisal amount of {$220000.00}, I did not meet the 80 % required loan to value ratio to eliminate the escrow and they referenced my mortgage agreement. Again, the same day, XX/XX/XXXX,  I, in turn inquired about sending a new updated loan appraisal -- at my expense -- since my home value had changed significantly since the original purchase in 2012. Since their original responses were so quick, I was confused when I did not receive a response within a week to my second follow-up question. After no response, I inquired again on XX/XX/XXXX <P/>On XX/XX/XXXX, without explanation or any information grounded in published for the customer policy or without reference to my mortgage contract, they simply stated that this would not be possible. <P/>I found this response to be inadequate, not grounded in documented policy and intentionally flippant to a very serious question posed by a paying customer. I shared with them as much and let them know that I would be sending a formal complaint about their response. XXXX/NationStar 's practice of not being completely transparent with customers about what is driving such a critical decision is unacceptable for the American consumer. <P/>I have never been behind on my mortgage payment, and have opted to pay my property taxes and property insurance myself rather than out of my escrow account to show that I am more than capable of managing these expenses myself. Again, although I am aware of the requirement and the fact that I am voluntarily doing paying these expenses outside of my escrow account this alone does not exempt me from the escrow requirement. I will say that the process for determining my loan to value ratio must be transparent and fair and this is where XXXX and NationStar is failing. <P/>Please, any assistance you can provide would be most helpful. I just want a fair assessment of my homes current value as a basis for the decision concerning my escrow requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

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 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I applied to refinance my home mortgage. with  XXXX   XXXX . They ran my information through  XXXX  automated underwriting system and I reported back that I had a mortgage charge off.     I know for a fact that I did not have a mortgage charge off. I contac ted CitiMortgage  immediately to clear the issue. After being hung up on and given the run around, I was told they did not report my account as a charge off. The account in question was refinanced in  XXXX  by them. They have refused any further action or responsibility.     In the mean time ... .CitiMortgage is the only one that can clear this error and my rate lock expires in 14 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was informed by  XXXX  's salesmen that the first inquiry on my experian credit report will be a soft inquiry, however it is reporting as a hard inquiry on my report, therefore I would like it removed immediately. i have two inquiries on my report, so i would like the both of them removed since i was fed inaccurate information by  XXXX .  <P/>  XXXX   XXXX /  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  Automobile Dealers, Used  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  Auto Financing Companies  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 2017-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief