vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
sending recorded messages to my work phone. Caller ID says XXXX l XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: AZ

Complaint narrative:
Due to b eing honorably discharged from  the  XXXX   XXXX , I was no longer eligible for reduced rates in accordance with Servicemember 's Civil Relief Act. This triggered a new schedule with Great Lakes. According to their policy they chose not to deduct money from my account for a month and changed my payment to the minimum without my permission. Their response to why this happened was because I was not required to make a payment that month and they did not want an unexpected amount to leave my account due to the change in interest. They continued to charge me interest for this " unrequired '' monthly payment and my auto pay is set at a dollar amount. This policy seems purposefully designed to disadvantage the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery associates, LLC is o n my credit report ( on all  XXXX  bureaus ) twice. While they did send a verification of the debt for  XXXX  the accounts they have and what it was for, they have n't validated the debt to be mine nor have they responded to my request for verification. They are vultures. They buy old debt for pennies and try to get a full amount even after statue of limitations expires and they harass a bunch of people. They call all the time at weird hours, especially at  XXXX  when I am ASLEEP.   Just today, I was looking up to see if they were licensed and/or bonded in my state and they do n't show up anywhere on the site for the state of Wisconsin.   I would like them to be removed from my reports as they are ruining my reputation for credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Aroun d  X/X/ 17 w e planned an email campaign for  XXXX   XXXX   XXXX      2017.    Time  was of the essence for the promotion. We wanted to try a free trial version of  XXXX  to determine if it was right us. The trial version requires a credit card number, we provided our Citicard. We never received the trial and were simply charged for a years subscription. Although our correct company information was entered, a different account email address was inserted because of some malfunction by  XXXX  's website. This error created a problem so we could not use their service. After explaining the error to  XXXX  support and informing them timing was critical, they were unable to correct the problem. This problem created by their website delayed our promotion and caused us irreparable damage of time and money. We were never able to use their free trial or any other service from  XXXX  because of their error. We asked them to refund the {$710.00} charged to our credit card. Their response was our policy is NO REFUND. This should never have been charged in the first place. We were never able to use their service, and their mistake damaged our promotion. We attempted to dispute the charge with Citicard but  XXXX  denied the dispute, apparently telling Citicard we received something that we never actually received. They offer a free 14 day trial period so even if we used their service ( which we did NOT ) we should have received a refund under the free trial offer. Citicard denied our claim after their review. Their review was apparently accepting the story from  XXXX  who provided no services and simply took {$710.00}. Citicard showed no evidence of how they made their decision and if they would ask for any there would be none! I do not understand how Citicard can simply decide which party is truthful without evidence to support it. On the response from Citicard they had the nerve to accuse us of lying by stating we received the services which we already told them we never 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 explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
The Barclay  XXXX  credit card advertises special online shopping cash back when purchased through the  XXXX  link and credit card. On  XXXX   XXXX ,  XXXX , I went through the  XXXX  website and visited  XXXX  to purchase a couch in the amount of {$860.0 0} ( ord er #  XXXX   ) a nd paid with the  XXXX  credit card with the expectation in receiving 10 % back through combined rewards. The 10 % cash back, valued at {$86.00}, was never received. I sent an inquiry to  XXXX  in  XXXX   XXXX . After an investigation, they stated I did not purchase the couch through the correct  XXXX  link.  XXXX  does not provide any sort of documentation when you go through their link so you can not provide any sort of documentation to prove that you have.

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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In  XXXX  of  XXXX  my mother passed away. I am the trustee on her living trust. I contacted  Wells Fargo by phone &  they would not speak to me regarding the loan or any modification. I the n sent in all documentation by mail & fax ( death certificate, trust ) & they still w ould not recognize me. They continued with the foreclosure. There is a sale set for  XXXX   XXXX ,  XXXX  & I wish to remain in my home.

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 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested the company to show me documents bearing my signature and NOT an electronic consent.

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 2017-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AK

Complaint narrative:
I called for a due date change, then a few days later I received a collection call I was 2 payments past due when I have not even had the vehicle for 2 months. I spoke to repersentitive and stated they can only receive calls and can not place calls out. I have a job and had to take 15 minutes of unscheduled leave due to this issue. I wanted to know also how has this affected my credit report?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Loan # :  XXXX  Dear Dovenmuehle Mortgage In  XX/XX/XXXX  I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with  XXXX   XXXX  ID #   XXXX   who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00},  XXXX . This is so unfair when I have been sending information since  XX/XX/XXXX  and never received a call back from this company. Please help me.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been a victim of identity theft since at least  XXXX / XXXX /  XXXX  . I filed an initial fraud alert with  XXXX  and they forwarded it to TransUnion and  XXXX . I received confirmations from  XXXX  ( dated  XXXX / XXXX / XXXX  ) and Trans Union ( da ted  XXXX / XXXX /  XXXX   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [   XXXX   XXXX   XXXX   ] Police Department )   XXXX    's i nformation notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmatio ns (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not  confirm my identity. In another case, because the system hung up on -- selling me -- my credit score a nd would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my transunion credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in th em.

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 2017-05-18 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: PA

Complaint narrative:
I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: CA

Complaint narrative:
No debt verification received, contacted company and was told i would be provided information i was not

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
AmerAssist is continuously calling me regarding a debt that my mother has with a    XXXX   XXXX   . I am power of attorney for my mother and signed no documents taking responsibility for any debt in my mother 's name.  AmerAssist  had made an inquiry on my personal credit report and has threatened to report this as an unpaid debt. I know they can not legally do this. But I simply do n't trust them. They have already lied to me advising me that as POA, I am responsible. I know this is n't true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In  XXXX  of   XXXX  , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services.  The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in  XXXX  of   XXXX  . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
RUSH PLEASE I HAVE SALE  XXXX   XXXX ,  XXXX and i can not do anything. I have loan modification.   Hi, my name is  XXXX   XXXX . I have some very bad issues going on right now with my bank  ( Fay Servicing , LLC )  and about my previous banks. When I opened my loan from  XXXX   XXXX   XXXX  my monthly payment was {$1300.00}. I couldnt pay them anymore due to my divorce my husband left me and left me in the waters. I applied for  a Loan Modification  and they told me to make some trial period payments of {$1500.00}. I paid all three times for the three months, on time. After the payments were done they transferred me to   XXXX   XXXX   XXXX  . I had the same story with them, they asked for trial period payments and so I had no other choice I paid {$1900.00} for  three month s, on time.   XXXX   XXXX   XXXX   transferred me to Fay Servicing , LLC who is now my current servicer. I now have a foreclosure sale for  XXXX . I have sent them all documents but they still have not offered me anything. I have sent them documents again. I dont want them to ask for a trial period payment and then transfer me to another servicer and then go through the same thing the banks have been doing to me twice. I dont even know if those trial period payments I have paid when towards anything like my loan or did they just take it. I want to keep my home and pay a reasonable amount. I have a sale coming up on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
On  X/XX/2017    I calle d Navient inquiring  about a notice that was posted to my account regarding 'no longer earning the 'Smart Reward benefit ' due to not receiving payment on time. However, I have paid the agreed upon amount every month to be qualified for the  'Rate Reduction Program '.   The phone record is as follows :  XXXX / XXXX /   2017  @   XXXX   XXXX   - Call last ed 6 mi nutes and when being transferred the line was dropped on  Navient 's e nd.      X/XX/2017    @  XXXX  - Call lasted  4  minutes, I was transferred by the automated recording to the same women as the  XXXX  call. She proceed to apologize for losing my call and transferred me again. Call was dropped again.      X/XX/2017    @  XXXX  - Call lasted  16 min utes. I was transferred to the  'Collections Depa rtment ' via the automated recording. I read the noticed that I had received on my account regarding the 'Smart Rewar d Benefit ' noting that Navient had not received payment on time. The women was unable to identify what the 'Smart Reward Benefit  ' was and I was placed on hold. When she returned to the phone she informed me that her supervisor was also unable to identify what the 'Smart Rew ard Benefit ' was and the effects it had on my loans. I requested to speak to a department that was able to provide me with further information regarding my loans. I was then informed that Navient was unable to transfer me and all they could do for further information was issue a request and I need to call back in 5-7  business days.

Company response to consumer: Closed with explanation