vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am a permanently XXXX Veteran, my only income is {$2100.00} month from the VA. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. I believe Sallie Mae Bank is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. I am in financial hardship, and applied for a tpd - total permanent XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I am a single mother of XXXX  children/family of XXXX  and my rent is {$1100.00} - I am struggling right now. Sallie Mae Bank has caused me to have emotional distress that has affected my emotional well-being. Sallie Mae , Inc has not gone through every stage of repayment making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. My XXXX impacted my ability to finish my degree program and I requested for an income based repayment to have my monthly payments capped in direct relation to my income and to provide for full forgiveness of my remaining loan amounts once the minimum number of monthly payments is met. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an injured veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness. Sallie Mae , Inc. said  they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and  Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and Higher Education Opportunity Act of 2008 ( HEOA ) based on my individual circumstance. I have been harmed due to Sallie Mae , Inc. 's illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It  still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my Transunion and XXXX   bureaus but it has not yet been deleted.

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 2020-01-31 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my XXXX  and Equifax bureaus but it has not yet been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in a loss of credit rating. Also, they failed to provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BB&T CORPORATION
State: HI

Complaint narrative:
Im a former resident of XXXX XXXX   Ive done business with the XXXX Fbi since I left XXXX XXXX XXXX  we were all in a class we left with information from being released discharge my home address there was XXXX XXXX XXXX, XXXX, XXXX  XXXX and I live at XXXX XXXX XXXX XXXX XXXX  XXXX I change my address to XXXX XXXX XXXX, XXXX, XXXX XXXX Ive been receiving problems from XXXX XXXX XXXX XXXX XXXX  XXXX My auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX XXXX  auntie XXXX XXXX XXXX that lives in the garage has been watching me collect my mail and she decided to steal my XXXX XXXX  state identification XXXX  state identification social security card and my overseas XXXX XXXX birth certificate to compromise a payment with the XXXX Fbi tried to give me through FDIC thats been writing my bank over and BB & T banking and trust the payment was stolen please contact me at XXXX my website is XXXX XXXX XXXX you can contact my phone Early in the morning like XXXX to  XXXX Pacific standard time you can also contact my father XXXX XXXX at XXXX his email is XXXX  XXXX I have already reported this to The federal trade commision I called the FBI this side of the family isnt Being honest at all thats all they do is steal everything they see so could you give me a call 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 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.

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 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an XXXX-American senior citizen who does not use the Internet. In fact, I have asked my son to help me file this complaint in this public forum. CapitalOne has been snail-mailing my statements late or not at all, then charging me $ XXXX/monthly late fees, for years, even though they acknowledge my payments arrive on or before the due dates. They say they're processing them after the due date, thus requiring them to charge me these exorbitant fees. Since the inception of the card, I've been charged {$2000.00} in these fees ; ironically, my current balance is {$1900.00}. My son discovered this XXXX, duplicitous practice that exploits those like me who mail in check payments. To add insult to injury, they also refuse to lower my interest rate, which hovers above 20 %, even though I have a credit score in the high 700s. Do not do business with CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
Online information services inc put a collection on my credit report from a utility company. I have not ever had a account with XXXX XXXX XXXX XXXX in over 15 years and I believe this is an error. Been trying to reach them but they never answer the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I have sent multiple loss mitigation paperwork in to ditech with no response from then. On XX/XX/2019 they finely responded telling me that I won't be able to eligible for loss mitigation until XXXX. So my point of contact for direct postponed the sale. She stated that they have all the paperwork that is need and the application is complete I got a letter. Well now I'm being told by Customer Service that loss mitigation opportunity is not an option for me to get and I have to pay {$13000.00} to save my home. But I get different story from each person I talk to every time I call. I just want to save my home and get the payments lower to {$1200.00} so I can afford to pay for the mortgage. Ditech forced this foreclosure on me by not allowing me to make payments to them when I was 21/2 months behind do the loss of job and loss of house income from my mom who moved out on me. Please help me with this dealing with ditech is a nightmare without any useful information and not one answer on how to reasonable come to a Resolution. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
The M & T Bank didn't keep record of the balance of my account, nor have records of my transferring out of the account. The result is that I couldn't see the scheduled transfer. So, I used XXXX to transfer money out of my account. It turns out, the Bank transferred my prescheduled transfer without deduction balance from my account. There was not any record under the tab of transfer history. So, I transfer money out the account. Then, the bank withdraw the money from my other bank account, charged me a fee for insufficient balance. 

The insufficient fund was caused by the bank since it should have had updated my account balance and keep a record of transfer so that I can see what's going on. 

I contacted M & T for the refund of fee, no response.

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
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I ady have two car loans with Navy federal And its have been 2 years I'm not behind are not late on my car note so I'm am trying to trider in on of my cars and they keep Deny me for approval and I'm have some many problems with this truck and my life is in danger with is car and they dont cbout if I'm safe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid off a second mortgage on XX/XX/XXXX. Bank of America is required by Virginia Law to provide a lien release to the county/city where the property is located to release the mortgage lien within 90 days or face a {$500.00} fine. On Wednesday, 90 days will have been reached and I want confirmation that Bank of America is going to receive the fine they are due. I have reached out to the bank dozens of times and they refuse to provide me with any evidence that they are processing my request. Bank of America was sued by New York for {$6.00} XX/XX/XXXX in 2 class action lawsuits for this exact same thing back in XX/XX/XXXX. Failure to provide the original letter of satisfaction to the clerk 's office to release the lien. They are doing it all over again and it is XX/XX/XXXX. The attorney general needs to file a class action lawsuit for Virginia customers of Bank of America and ask for {$10.00} XXXX because Bank of America is obviously flaunting the law.

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
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: MI

Complaint narrative:
Allied Interstate, ( XXXX ) XXXX, has called at least 10 times ( almost every weekday ) since XX/XX/2020, sometimes in the morning between XXXX & XXXX XXXX and sometimes in the evening between XXXX & XXXX XXXX The phone rings only once and they never leave a message.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I had opened a new TD bank Beyond Checking and Preferred Savings account online under a promotional offer of {$500.00} ( {$300.00} for Checking and {$200.00} for Savings ) .The account was opened on XXXX XX/XX/2019 and I have fulfilled all the requirements to receive the bonus amount. As per their disclosures I should have received the bonus within 90 days of fulfilling the requirements. Its been way more than 120 days that but I have not received the money yet. 
I have spoken to the customer care and send them several emails but seems they are reluctant to pay the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I purchase a mobile home in XX/XX/XXXX still to this date owe over 40 thousand dollars on it spoke with Ditech on XX/XX/XXXX I was told I have 10 more years on the loan I have paid for this mobile home three times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: WV

Complaint narrative:
I began attending XXXX XXXX university in XXXX WV in XX/XX/XXXX part time on and off ( depending on work ) working towards my degree in XXXX XXXX XXXX In XX/XX/XXXX due to my spouse and his substance abuse I no longer could attend college because I had to support my newborn  and take a full time job after separating from my husband. My student loans were always advised to be to be placed in deferment or forbearance. With very little income and supporting a child this continued for years. In XX/XX/XXXX a coworker gave me information about income driven repayment plans for student loans. This information was NEVER suggested to me. The information on IDR showed after 20 years of making income based payments the remainder of the balance would be forgiven. For 13 years my loans sat and accumulated interest. In XX/XX/XXXX I went back to XXXX   school and am now a XXXX  I then worked full time so my Second Husband could go to school, he graduated with his XXXX degree. We have XXXX children but making my student loan payment ya is impossible. My original balance of loan debt was approximately {$27000.00}. To date my loan balance with interest is {$100000.00}. With an expected payment of {$2000.00} a month. I owe for my student loans and In no way feel that I should not have to pay this debt back. However I do feel with proof of my W2s from the years XX/XX/XXXX to XX/XX/XXXX I  can show my income was low and I should have been advised to do income based payments and would be well over half way to having my debt paid off in regards to after 20 years the debt is removed. I want to pay what I am in debt to but also would like reconsideration on the interest that makes repayment impossible. I have emailed Navient multiple times with absolutely no response. Phone reps can not offer any help. Any help with this matter would be greatly appreciated. Thank you for your time. 
XXXX XXXX XXXX XXXX  XXXX , WV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
From the moment my credit monitoring service alerted me that this debt was coming in to my account, I tried non stop to contact Designed Receivable Solutions , Inc . This company has been purposely ignoring all of my written requests to obtain legal proof that the debt belongs to me. They have failed to proof such thing because the debt does not belong to me. However, unlawfully still sent my account to collections damaging my perfect credit score. I am very stressed out and they are now causing me to have health problems because they fail to answer my letters and they debt keeps popping up every month as a collection on my credit report. This is very unprofessional and wrong, someone needs to check on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The Consumer Financial Protection Bureau is a government website design to assist consumers with their complaints and acts when laws or procedures are broken. On XX/XX/2019, I filed complaint no. XXXX. The servicing company claims to have responded to our complaint via mail. Be advised we never receive a response from the above mention complaint. The Consumer Financial Protection Bureau knows too well that ones a complaint is filed the company has 15 days to respond or request an extension. In this case, the lender responded to the Consumer Financial by making the false statement that had provided me with a response to our complaint via U.S mail while it never occur. The company deceived the Consumer Financial Protection Bureau and my self. There is no one above the law and I want to remind the Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lori J. Frank PC
State: MI

Complaint narrative:
During the month of XXXX, I have made repeated communication attempts with the law office of XXXX XXXX XXXX ( XXXX, MI ) who is trying to collect a debt from me regarding an unpaid college balance ( it is not a loan ). 

Initially, I was told misinformation about how the interest is applied to the principal and, after over 30 emails with the company, managed to have them explain to me that they made a mistake and recanted their initial statement about the interest. They attempted to have me sign the same agreement anyway at this point, but I declined saying that they would need to update the agreement to reflect the mistake they made. They did so. 

However, today ( XX/XX/2020 ) was the first day I was to make a {$50.00} payment, which I believed we had amicably decided upon after I accused them of being abusive and they lowered the monthly amount. My issue : the agreement reflects that my balance is {$5800.00} INCLUDING court fees, but their online portal says I owe {$6200.00} ( nearly {$400.00} more ). 

I attempted to contact XXXX and XXXX, who I was in communication with, but both were out of the office according to someone named XXXX. When I explained my complaint, XXXX said, " Oh, I'm uh, I'm going to work on that today. Sometimes the balances are reflected differently on the site than in the agreements. '' Excuse me for feeling suspicious, but that is not legal, right? 

I can not in good conscience make a payment on a debt if they are violating the Fair Debt Collection Practices Act. I have written proof that I have been suspicious of this company and called them out on it, and they have only cited blunders in their defense every step of the way. Now their website says I owe a significant amount more. 

I have proof of all communication with this debt collector, and a screenshot of the website that says I owed more than we legally agreed on ( about 6 % more in fact ). I also have a copy of the agreement that does not reflect the website 's amount.

Company response to consumer: Closed with explanation