vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have previously submitted a complaint #  XXXX  on  XXXX  that is still ongoing. The complaint is in regards to mishandling/misapplication of my payments among other issues. Since Huntington has taken my mortgage loan over from  XXXX   XXXX  there have been many issues that led to the original complaint. Because of the nature of those issues, I certainly do not want to keep handing money over for them to continue to be mishandled until the issue is corrected. I have since been receiving calls, letters, messages, even though I have stated very clearly that I have the open complaint and explained the nature of it and why I do not want to make further payments until it is corrected. The calls and letters are still continuing, with another call and a letter this morning. I do not find it unacceptable to have their collection department calling and mailing me like I have done something wrong- the reason I have not made recent payments is because the last time I made a payment on  XXXX  ( after I had told them there was an issue ) I was assured the issue was corrected. Except it wasn't- they said that just to get money then misapplied it as I was promised would not happen. I should not be responsible for or harassed because of the length of time that it is taking them to correct it.     On an even more concerning issue- the person I spoke with on  XXXX  that called to 'collect the payment ' showed that there is a deep issue within the company and/or with my loan. He stated over and over- and over- again that my loan is an interest only loan, except it is not. No matter how many times I said it was not, he repeatedly told me it was and that my complaint is wrong and I just need to pay because that is what I owe and 100 % of my payment will go toward interest. The obvious issues here are ei ther 1 . He is just saying anything to try to get money, including telling customers completely wrong information a bout their loans and even telling them they have a different loan type than they do, and/or 2. Huntington has indeed changed my loan type to an interest only loan, which it is/was not. This is a horrible tactic and one that would certainly confuse or scare many customers that may not be knowledgeable about their loan, particularly in something such as an ARM loan. Whether he was lying to try to get money or Huntington has taken it upon themselves to change the loan type, neither is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted several request to Equifax to remove inquiries that I have not made on my credit report. I discovered these inquiries while reviewing my credit report report. Each time I have made these request by phone, mail and online they have sent me the same letter, which only explained what an inquiry is. By Equifax sending me this letter and reading me this script several times allows me believe they have not reviewed the inquiries belong on my credit report or my disputes. This is the only documentation I have received. My disputes began in  XXXX  of this year. The following days I initiated disputes of these inquiries :  X/XX/2017   ,  X/XX/2017   ,  X/X/2017   ,  X/XX/2017    and  X/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My problem is with the lender who owns the mortgage loan for my house I have owned for almost 25 years, Nationstar Mortgage. They have made the loss mitigation process very difficult, they have not allowed me to work with a Spanish speaking processor, and the people they have assigned to work with in the past have been difficult to communicate with. My family is being pushed into foreclosure, even though with the addition of my wifes income and job we clearly can afford a fair monthly payment. The problem is getting an actual review of our information completed  by Nationstar.  We feel that they are blocking us from government and internal programs tha t may be a ble to help us with get back into good standing with our mortgage, which is what we want to do, but wanting to pay and get caught up is not enough if the lender is  Nationstar w ho will not work with you the right way.     I bought our home in  XXXX . During the mortgage boom in the  XXXX  I refinanced a couple of times, and the last loan that was written was with   XXXX   XXXX   in  XXXX  ( right before the crash ). The loan was with  XXXX  for a period and then went to  Nationstar. I  had some financial challenges in the past and at  one  time I was approved for a modification. My struggles arose again in   XXXX   as I was overwhelmed with expenses and a loss of overtime hours. At that same time my son was accepted to college which was a huge moment for him and we provided some help with this to get him enrolled. We were overwhelmed with expenses and struggled to keep up with our payment. We began trying to start the negotiation process at that time with a lady named  XXXX  but she was difficult to reach and we had requested a Spanish speaker. We continued to struggle financially, and then my wife got a job at the airport making a solid income. When put together with my income as a machinist ( been doing it for 32 year s ) w e had sufficient income to make a fair and reasonable mortgage payment.     However, as I described  Nationstar has  not been easy to work with us and has not assigned us a  Spanish s peaker and have not taken the time to review our file and case and income and expenses and determine which government or internal program works for our family. This is an avoidable foreclosure if only Nationstar would work with us. At this time they are trying to set a foreclosure sale date instead of working with us.  Nationstar  would make a lot more money if they would restructure this loan and modify it so that we can resume making payments than if they were to sell it at auction. We want  Nationstar t o follow the federal guidelines and rules of the state of Illinois and consider us for all government and internal programs in order to give us the chance to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: RI

Complaint narrative:
Family members and friends received call from  XXXX  indicating that they are looking for me to serve a subpoena for a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: RI

Complaint narrative:
The attached information constitutes a formal complaint against  XXXX  mortgagees and/ or service lenders ( collectively referred to as mortgagees ) who have successively ( mis- ) handled my loan :  1 )    XXXX   XXXX    ; 2 )   XXXX  ; and  3 ) Fay Servicing.      I believe that these mortgagees have conspired to defraud me, the consumer, from federal initiatives and the protections of federal guidelines. Further, it is my belief that the mortgagees have misrepresented terms of my loan and rights to which I am entitled ; failed to process my requests for modification, other documents, and qualified written requests in a timely manner ; intentionally complicated matters for the purpose of confusing the consumer and thus denying available assistance ; transferring the loan from a    XXXX   XXXX   servicer to non-  XXXX   XXXX , thus indisputably and unlawfully altering the terms of the mortgage ; failed to fully apprise the consumer of available options, specifically modifications for which I was eligible ; altered the terms of the modification after the completion of the contracted trial period payments, at significant cost to the consumer ; reported deficiencies to credit bureaus despite on-time payments in full ; notified via certified mail my former spouse, whose name was never on the loan, in violation of privacy protections ; negatively impacted my eligibility for  XXXX  funds, in large part due to the failure to process documents in a timely manner ; used abusive, harassing and coercive tactics in attempts to intimidate me into surrendering my rights and paying excessive monies, further compounding the   XXXX   XXXX   that was created by the referenced failures of and abuses by the mortgagees ; refused to provide reasonable accommodations for documented  XXXX , and discriminated on the basis of said  XXXX  ; and other actions by the mortgagees.   The details of the complaint and supporting documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Nelnet, Inc.
State: CO

Complaint narrative:
Hello, I consolidated my  XXXX  federal graduate school loans on  XXXX / XXXX / XXXX  into the only loan consolidation program offered at the time. I am now learning that after 11 years of working for the  XXXX   XXXX  Attorney as a lawyer ( a job that would otherwise qualify ), because I did n't consolidate into a type of loan that did n't even exist at the time (   XXXX   XXXX   ), my  XXXX  separate, on time payments as of  XXXX   XXXX  will not qualify for the public service loan forgiveness. This seems bonkers. Certainly that can not be the intent behin d Congress creat ing this program with much fanfare a decade ago.     My servicer is  XXXX . I think my loans should be forgiven in exchange of the years of hard work I have been doing as was promised ten years ago.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
This company,  XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun  Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from  XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year   XXXX  , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted  XXXX ,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       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 2017-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have  ChevronTechron Advantage Gas  Credit Card. My payment was due on  XXXX   XXXX ,  XXXX , which was a Sunda y ( non-business day )  as well as   XXXX   XXXX   XXXX  , a recognized  US Holiday . I logged into my account today  XXXX   XXXX ,  XXXX  to make my payment as this is the first business day after my due date. My account showed that I had a late fee. I chatted with a Customer Representative who was able to waive the fee however, he argued that payments are due on the due date with no exceptions and there is no grace period. I recited Sectio n 106 ( a ) ( 2 ) of the Credit Card Act of 2009 which states, ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the  payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor  may  not treat a payment received on the next business day as late for any purpose. He again stated that payments are due on their due dates regardless. My fee was waived, however, I feel that  Sychrony Bank who issues and manages the Chevron Techron credit card should be reminded of the federal guidelines which they must adhere to. Especially because they are, in a sense, a reflection of the Chevron Techron bra nd.

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 2017-05-15 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: OH

Complaint narrative:
I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: CT

Complaint narrative:
I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.

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 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Ca pital One cl aims I owe a balance of around  XXXX  on account ending in  XXXX , now closed and charged off. The credit limit is or was  XXXX , roughly  XXXX  or more is highly questionable as it brings the balance well over limit. Most of the balance consists of late/over limit fees as well as some fraud charges. I 've attempted to make payment arrangements in the past, before account was charged off. However, the rep  ( s ) I chat ted with would not cooperate, a separate complaint was made in re which was not resolved. Most recently, I attempted to make payment arrangements/discuss a possible settlement amount, however, the dept I call likes to record calls in which case I will not be recorded. They claim the reason for recording calls is to assure quality/training purposes, which is a lie as the dept I call is recovery and they use the recording so to go after the customer in case payments are not met. I 've called the  executive offic e several times, I 've never been advised the call is recorded until I reach recovery dept, proving they only record in case the customer does not meet any agreed upon payment arrangements. Either way, I will not be recorded. A rep I spoke with on around  XXXX , before reaching recovery dept stated they do not accept settlements, which is a shame as again, there are late/over limit fees as well as fraud charges on the account. A settlement agreement would resolve any and all disputed charges such as previously mentioned. Please advis e Capital One tha t first off, I will not speak on any recorded line and second, they need to be willing to accept a settlement amount if they wish to see any payment at all. A letter was received from a  XXXX  in recovery earlier this week, legal action was mentioned such as sending account to an attorney here in Connecticut. Please also advise  Capital One that my private attorney has been notified of the matter as well as fraud charges on account, in case any legal action is taken on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Bureau
State: LA

Complaint narrative:
There are three separate accounts listed on my credit from Account Control Bureau. I have asked for verification of debt with signatures, which i have yet to receive. I have spoken with personnel from the said company on several occasions. I have reason to believe my HIPAA rights have been violated. The alleged accounts are as follows : - XX/XX/XXXX- {$140.00} - XX/XX/XXXX- {$57.00} - XX/XX/XXXX- {$850.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants re cently started trying to collect a  XXXX  debt I do not owe and reporting to credit agencies. I had a  XXXX  account once in my life  fifteen  years ago in  XXXX  for four months while I lived in   XXXX   XXXX  ,  XXXX  for an internship in   XXXX   XXXX  . When I canceled my account, I returned all equipment to  XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in  XXXX  of  XXXX , they located the returned equipment and marked the account as paid. I never received another bill.     In  XXXX , I noticed a different debt collector reporting a  XXXX  debt. I disputed the debt and it was removed from all  XXXX  credit reports. N ow, Diversified Consultants is  trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute.     I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would  be 15 years old. I do n ot have records due to the old age of the incorrect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC continues to collect a debt well past the seven year limit. Last payment was made to the original creditor almost ten years ago. They still contact me and refuse to remove from credit report.

Company response to consumer: Closed with non-monetary relief