vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service for qualification for the Public Service Loan Forgiveness Program. 

My loan records will demonstrate that I have faithfully made payments to my student loans for more than 20 years and have been denied the forgiveness of XXXX XXXX as well as the US Department of Education and Federal Student Aid. 
1. These student loans qualified for the program originally ( and XXXX servicing later consolidated these loans ). 
2. I made payments on time each month toward my student loans. 
3. I notified my servicing provider that I was in public service and was NEVER TOLD that these payments were not qualifying due to some sort of an issue with the consolidation. 
4. My employment information was provided on XXXX XXXX, XXXX and successfully documented my Public Service. 

XXXX refuses to pay off my student loans and my current balance is {$10000.00}. The U.S. Department of Education and Federal Student Aid  refuses to assist to resolve this dispute. 

Your assistance in resolving this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Model Finance Company
State: TX

Complaint narrative:
XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: CT

Complaint narrative:
My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: IA

Complaint narrative:
I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have had several instances where I have needed financial assistance based on the high interest rate and monthly cost of my graduate loans ( in spite of being on an income-driven repayment plan. ) According to Navient 's payment history - since XXXX of XXXX I have paid approximately {$720.00} dollars towards the principal of the loan ( currently over {$42000.00} - but was only {$39000.00} at the end of grad school. ) In that same time period I have paid almost {$8000.00} in interest. The last three months ( for example XXXX, XXXX, and XXXX XXXX ) payments of more than $ XXXXmonth have been paid - but not a single penny has gone towards the principal. How is this NOT like debtor 's prison? The last phone call I put in to customer service, they literally told me to " just pay the interest for ten years and then request forgiveness of the loan. '' But that would amount to tens of thousands of dollars in pure profit to Navient with absolutely no benefit towards paying off the debt. I 'm interested whether they are being sued privately. I know they 're being sued by the CFPB, and a couple states - and I intend to be involved there. But I 'm wondering if there any private citizens involved in class actions - if so - how do I get involved there?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CO

Complaint narrative:
I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. 

I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. 

I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
In XX/XX/XXXX I received notice that full payment was due on my home equity line in the amount of {$9300.00} principal balance plus {$140.00} accrued interest. In XX/XX/XXXX I received a second notice for a larger amount of {$11000.00}. I spoke with a Specialized Loan Servicing, LLC representative named XXXX regarding a rapid payoff schedule, and questioned the new payoff amount. XXXX ordered a new payoff amount be sent to me and said the payoff schedule I proposed would likely be approved and the new charges could be reduced. Instead, in XX/XX/XXXX I received another payoff amount, this time increased to {$12000.00}. I am prepared to pay {$5000.00} toward a reasonable, fair, and honest payoff amount immediately and the remaining balance off by late XX/XX/XXXX.

Specialized Loan Servicing has refused to sent monthly or even quarterly statements for years and they ca n't explain the amounts due when I call for the info. I repeatedly requested statements and needed them during a health crisis because a family member was helping keep track of monthly bills.

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 2017-12-28 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: CA

Complaint narrative:
Dear Equifax/ XXXX XXXX XXXX XXXX ( CEO ) XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX- XXXX XXXX XXXX # XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.

Company response to consumer: Closed with non-monetary relief