vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.

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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.

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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.

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 2017-10-10 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: AES/PHEAA
State: WI

Complaint narrative:
I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.

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 2017-10-10 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: MI

Complaint narrative:
XX/XX/17 I called XXXX XXXX regarding my student loan - I was reminded that my student was moved to Navient. XXXX forwarded my call to Navient and provided the number for Navient. However when I called Navient I was never able to speak to a customer service rep or remain on hold to speak to someone. I tried the call twice but both time Navient disconnected my call and would allow me to remain on hold for the next agent. This is unacceptable. I was calling to advise that I had been terminated from my employment. I will be unable to continue to a XXXXper month student loan payment as I now have only Social Security Retirement as my current income. I chose NOT to have Navient return my call at their convenience, I was prepared to wait on hold for the next agent. How can a lender refuse to allow a customer to wait on hold for service. Navient should allow customers the option to wait on hold - now I have to continue to try and reach them when they will not hang up on me. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
was unable to start repayment on my student loans and navient informed me I was ineligible for deferment due to the fact i made more then the maximum eligible salary. They then stated the maximum salary you can make and be eligible as a full-time employee. The amount was substantially lower then minimum wage as is legally impossible to make that low of a income. They then forced me into a forbearance causing my loans to continue accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off as soon as possible.

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 2017-10-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD

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 2017-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly disputed hard inquiries that I did n't authorize and am repeatedly told to contact the credit agencies to have them removed, but in doing so the creditors have stated that my dispute is with Transunion not them as they do n't have any records showing that I applied for anything.

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 2017-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I deposited a cashiers check from an accredited credit union into my checking account at Bank of America on XXXX. A hold was placed on this check, which I believe is in direct violation of regulation cc of the Federal Reserve. The bank stated at the time that the funds would not be made available until XXXX. This is also against regulations that state the funds, if withheld, must be made available to a customer after 7 working days. I have spoken with Bank of America representatives twice, and they remain adamant that the cashier 's check could not be guaranteed any earlier. I believe their internal policy goes directly against the stated policies of bank regulators in the U.S.

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 2017-10-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}

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 2017-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Debt Was Paid. Total of {$350.00}. XXXX has sent letter stating PAid -in-Full. 
Equifax, and other agenices continue to report the bad debt.! 

PLEASE HAVE AGENCIES REMOVE THE LINE THAT STATES DEBT IS STILL OUTSTANDING COMPLETELY.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Our small not-for-profit organization setup a small business account with Bank of America ( BOA ). BOA has charged a $ XXXX  monthly service fee deduction to the account and mailing a monthly statement. Otherwise, there has been no activity on the account, no deposits, electronic fund transfers or deductions ( other than Bank of America 's monthly fees ). Due to circumstances at the time, the account was established in a state different from the location of the not-for-profit home office ( basically an 8 hour drive away ). When we called BOA to close the account, we were told that BOA has designated the account as dormant and that we can not close the account and have the funds returned. We were told that to close the account, we would have to physically go to a Bank of America center and make a deposit in order to reactivate the account. Then, we can close the account and get our remaining funds back. 

Basically, this means that BOA can choose to classify your account as dormant even though BOA is making monthly transactions against your account, i.e., making monthly deductions for service fees and mailing out statements. However, the account holder ( you ) can not close the account to get back any remaining funds from the account unless you deposit more funds into the account. Essentially, BOA is holding your funds hostage even though you have a positive balance and monthly transactions are occurring, albeit service fees charged by the bank. 

So, what happens when the funds go into a negative balance, due to BOA 's monthly fees? You, as the account holder, will owe them money. To avoid having a negative balance is the primary reason that we were attempting to close the account by phone so that the account would not reach a negative balance and we could retrieve any remaining funds in our account.

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 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was compromised with the Equifax Breach and on Friday ( XX/XX/XXXX ), I was told that I could not dispute my inquiries as they are a factual part of my credit report which was false. I expressed my right to dispute any incorrect information on my credit file as I saw fit. He said that he filed a dispute to have the items removed but in a phone call with another representative on XX/XX/XXXX that representative let me know that a dispute was never done. She once again tried to tell me that the information was factual but she claimed to have put in a dispute with conf # XXXX in which I do n't even know if the dispute was actually put in or if I was lied to again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I was sending XXXX to an military person of high ranks! This person was named on letter of my receipt and was supposed to receive it well when to pick it up and said received! But it was in the wrong hands! This was a crime and should be punished! Stealing funds from military personnel!! and using there name! this is money I had to go to extreme lengths to get Im on a Fixed income and this was emergency money needed for the person!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.

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