vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I received a letter in the mail ( dated XX/XX/2019 ) from a company called Franklin Collection Service , Inc claiming to have authority to collect a debt on behalf of XXXX for {$860.00}. I do not now, nor have I ever had an account with XXXX. I don't even have cable, but when I did have cable, it was through XXXX XXXX. I still use XXXX for internet service. Either this letter is fraudulent, or someone stole my identity to open an account. I have had no such correspondence with any other company and my credit report says no accounts have been open in my name for XXXX year so I suspect that this letter is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The card that was provided wasnt a credit card. The card was a debit card. XX/XX/2019 spoke to collections department. He stated the debit come in their system as a credit card. Which isnt the case. We called on XX/XX/2019 to enrolled in the program. Its not our fault their system stated its a credit card. We dont have credit cards. In the past we did talk to their customer advocate team and they never answer their phones. We had a person assigned to us name XXXX and she never return phone calls. The same number Navient provided we call before, which is XXXX. This company provided incorrect information to XXXX XXXX. Im willing to work with Navient. But different agents provided different answers. I would also like for the call on XX/XX/2019 to be pulled. Card ending with # XXXX was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/2019 Called company because of excessive fee structure - usually, an annual fee on a card is associated with some other rewards points, lower interest rates, no foreign transaction fees, reasonable compliance fees, especially when one has excellent credit -- because Citi is trying to charge me a {$75.00} annual fee on a card with minimal points, that charges foreign transaction fees, has an interest rate of ~25 % and asked them to eliminate the annual fee and lower my rate. Their agent canceled my card without my permission. I called back to complain and they took me through the process of reapplying for the same card and said because the card was new there would be a {$75.00} annual fee, but they would waive the {$75.00} fee on the prior account that is now closed, however, the account is closed so the fee should not be owed. 

In order to switch the card to one without an annual fee and try to get my rate lowered I would have to call back once my new card arrived, expecting me to spend yet more quality time with them on the phone. The {$75.00} fee remains on my closed account, we'll see if they maintain their request for payment ... This company is not trustworthy and unscrupulous.

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 2019-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
There was damage to my home on XX/XX/XXXX and an insurance claim was made. The insurance company issued to checks for the damage, one for {$6800.00} and the other {$1600.00}. On XX/XX/XXXX Freedom mortgage sends them back to me with a letter stating " checks were not endorsed '' I call Freedom mortgage on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' she says the balance is {$0.00} so tell the insurance company to take Freedom mortgage off the check and reissue it just to me because they were written to me and Freedom mortgage together. 

I call the insurance company and they said since Freedom was lien holder at the time of loss they will have to sign the check and it can't be reissued just to me. 

I call Freedom mortgage back on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' and tells me to send in proof it was paid off even though it was Freedom mortgage. 

I call back on XX/XX/XXXX at XXXX XXXX and speak to " XXXX '' who escalated it to a manager and she said the manager said to send the check in endorsed and they will sign it and send it back and told met to send it to : XXXX XXXX XXXX, XXXX SC XXXX. 

I sent them in by XXXX  and followed up they promised they would send the check back if I signed it. 

I follow up on XX/XX/XXXX and spoke to " XXXX '' at XXXX XXXX and she says the checks were received and will be signed within 24 to 48 hours. 

I follow up on XX/XX/XXXX and spoke to " XXXX XXXX '' supervisor. ( ext XXXX ) she claims they are not sending the checks back but are keeping it because I completed a " Deed in lieu '' and the loan was paid off after the date of the check until that day on XX/XX/XXXX. 

This was a ploy by Freedom mortgage to trick me into endorsing the checks and sending them to them. They misrepresented and XXXX by telling me " if i sign the check and send it to them they will endorse it and send it back '' I am a 100 % XXXX XXXX XXXX veteran and this is a VA Loan.

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 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I overdrew my account due to errors related to my XXXX XXXX transactions for {$100.00} and {$230.00} on XX/XX/2019 resulting in two overdraft fees of {$34.00} each, one stop-payment fee of {$30.00}, and additionally, two returned payment fees of {$34.00} each on XXXX  bill of {$5.00} and my electric bill of {$120.00}. I called many times to get those fees reversed. They only waived {$12.00} out of the total of {$170.00} in overdraft and other fees charged to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
I can not get PHH mortgage to confirm by email or letter that I have paid off my loan in full. 
I have tried repeatedly ... spoken to them on 2 occasions and they say they will send me a confirming letter and email with payoff info. 
BUT I have not recevied either and it has been almost 1 month since payoff on XX/XX/19. 

I have called at least 6 x and been disconnected 2x after 30-54 minutes on hold. I have spoken to Escalation Managers ( XXXX # XXXX ) 2x after being on hold for over 45 minutes. I was promised email in 24 hrs and letter in 7 -10 days ... no response. 

I have sent email complaint to XXXX ... got 8 responses in 1 day that they would call me within 5 days ... .no calls. 

I sent email complaint to XXXX ( parent co. ) and it came back undelivered. 

I have received double invoices for payment AFTER I have fully paid off the loan! 

I have tried to reach the VP of Mortgage Servicing XXXX XXXX but his office goes to voice mail and on hold / disconnect. 
PHH is either dishonest or incompetent but I deserve better as I was a great customer for their mortgage business. Never late etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services
State: OH

Complaint narrative:
I ordered my credit reports in XXXX and notices that " ACS-Dept of Ed '' was on there for an amount of {$9700.00} for a " XXXX XXXX '' NOT OWED to ACS. There is no reporting payment history/info, the account number is my SSN # and the status says pays as agreed. There is no date of last payment, payment amount, nothing! I verified with the Department of Education that this is fraudulent because they hold my loans ... all consolidated ... .all on repayment plans and in good standing. ACS is committing fraud and trying to collect money. 

I know this is fraudulent reporting by ACS and I have disputed it with XXXX  because of the other fraudulent accounts ACS is trying to collect money on under different business names. I found accounts with ACS 's address : XXXX XXXX, XXXX, NY XXXX on my reports and they numbers are disconnected. I saw today the lawsuit settlement from New York against ACS this year for fraudulent operations on student loans. 

ACS is reporting debt amounts NOT owed to them and trying to collect on multiple credit reports under different business names but with their address and disconnected numbers. I want this account reported to XXXX  to be REMOVED as it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I attended this school for one semester after finishing my prerecks at a XXXX XXXX college I  transferred to XXXX XXXX college they told me I needed to fill out a student loan in order to attended the school after I finished my first semester I was told that the school was closing down and the owner of the school held a meeting and let us now that the school credidation had been lost I took out 1 loan and then it turned into XXXX dollars this has been under investigation for 7+ years it is affecting my credit tremendously I have called the Navient department and the department of education and all they have told me there's no information at this time the school has been shut down due to fraudulent actives I have disputed it numerous of times with XXXX and they have yet to take this of my credit I did not accumulate these loans and I never got any certificate stating that i went to this school please help me it has been 7 years these are not my loans I have been told that the owner of the school has taken out loans and kept all of the money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below. 
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX. 
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}. 
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute. 

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened

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 2019-06-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute.

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened

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 2019-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 a company called XXXX XXXX XXXX called my cell phone and my place of business notifying me that all entities associated with my social security number will be suspended. The recording also says that charges will be brought against me in the court of law in the XXXX XXXX county and in civil court. I called them back. I asked for a website. The representative said it was under construction. The case manager got on the phone and threatened me with a felony charge and intent to fraud a financial institution. She read me my full social security number, address, bank account information, and phone numbers. I did call the company check n go and verified the account. However, they did sell the account. I was able to contact the current collector XXXX XXXX XXXX and pay them in full. The amount that XXXX XXXX stated was XXXX when XXXX dollars was the amount owed. I am worried that this fraudulent company has all my personal information. I am very shaken by the threats of being served at my home and being charged with a felony through the district attorney office. I hope by launching a complaint that this company can be stopped from terrorizing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
We had an unexpected and sudden drop on income end of last year XXXX and this year XXXX, and we did not have enough money to pay the mortgage, we got almost 3 month late in XX/XX/XXXX and the mortgage company, XXXX XXXX, sent us an intent to foreclose in XXXX, we talked to them and we try to start a mitigation but it was complicated so we did not formally start the process in writing because the document to file was so heavy and asked many other documents. We talked on the phone about the mitigation process and were assigned a mitigation officer. 
Then we caught back on payments and I was current in XXXX, but in the mean time XXXX sent a letter saying we don't qualify for a mitigation. We called XXXX but the Mitigation officer also said to us we should not follow anymore the mitigation because XXXX was about to transfer the loan. So without me knowing, XXXX transferred the loan to a third party called Penny mac. Meanwhile I was late again in XXXX and XXXX. i was up to two months late. I am really struggling, I am paid late my employer and I have to pay multiple bills at once. Currently, I am only one month late though for XX/XX/XXXX. Since XXXX transferred me to this other servicer Penny Mac, each time I call Penny mac over the phone to pay my mortgage, they tell me that they sent me an intent to foreclose, I am not sure why they say that, I was only 2 months late and now only one month late for XXXX, and I never received a new notice of intent to foreclose ( A foreclosure, I thought, can only be opened if one is 120 days late ). However, looking through all my papers, I did receive a notice of default and intent to accelerate on XX/XX/XXXX that was sent as a regular mail not certified. That seems a notice of a different nature, it says I have until XX/XX/XXXX to cure the loan or they will accelerate it. We are already XX/XX/XXXX. I am really worried, It seems I have to cure loan immediately XXXX by XX/XX/XXXX XXXX, with late fees that they added of {$370.00}, or they will accelerate the loan and foreclose? if this true? I feel my original mortgage company XXXX transferred me to a mortgagor who just tries to foreclose on me any way possible using a tactic that I am very unfamiliar with this threat of loan acceleration, and I just read a court decison where a person complained of a wrongful foreclosure against that same mortgagor Penny mac. I  am extremely suspicious that I was transferred to a third party loan servicer right at the moment I was experiencing financial problems and could not catch up payments. I believe the current mortgagor is just trying to foreclose on me by requiring I cure immediately or they will accelerate the loan and foreclose. XXXX   should not have transferrred the loan while I was trying to mitigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. XXXX judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair XXXX  as to how they record inquires and makes credit scores drop.

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 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I am simply just trying to get something in writing that states the settlement amount they offered me. I would like something in writing so I have proof that is the amount agreed upon.i a, worried that I would pay the settlement amount in full and then they try to charge me the remainder of the balance. The representative I spoke to said they do not send out or email settlement letters and are this time the company does not even have settlement letters. I kindly asked if there was any way I could get the amount in writing, even a simple email, and was told no. 
The amount owed is XXXX The settlement offer is XXXX I called on XXXX XXXX and was given my account number and was offered the settlement and asked about payment plan. 
I called on called on XX/XX/XXXX and requested settlement in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have made several payments to Navient and not of it was put toward my student loan. It was over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS NOT DOING WHAT THERE LEGALLY OBLIGATED TO DO. THEY ARE NOT USING FAIR PRACTICES AND HURTING PEOPLES REPUTATIONS. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS HURTING MY REPUTATION AND IS NOT LEGALLY ALOUD TO BE ON THERE. I SENT EXPERIAN A LETTER SAYING I WOULD LIKE IT TO BE VERIFIED AS I HAVE NEVER SIGNED ONE SINGLE DOCUMENT WITH THIS COMPANY ( XXXX  XXXX  ). I HAVE SENT XXXX   XXXX SEVERAL LETTERS FIRST ASKING FOR THE ACCOUNT TO BE VERIFIED WITH MY SIGNATURE AND HAVE NOT RECIEVED ONE LETTER BACK. SO I TOOK THE MATTER TO EXPERIAN AS THEY ARE ALLOWING FRAUDULENT REPORTING. I HAVE SENT EVERTHING CERTIFIED MAIL AND HAVE MADE COPIES OF EVERYTHING. THEY SEND ME A LEETER BACK SAYING THEY UPDATED IT. UPDATED? STILL GIVING ME NO PROOF. HOW DID THEY VERIFY AN ILLEGAL ACCOUNT? I THEN SENT ANOTHER LETTER WHICH THEY RECIEVED CERTIFIED MAIL ON XX/XX/XXXX STATING I WANT TO SEE PROOF! LEGAL PROOF! AS IS MY RIGHT UNDER THE FAIR REPORTING ACT. TODAY IS XX/XX/XXXX AND THEY ALREADY SENT ME A LETTER BACK SAYING ITS VERIFIED. HOW? IN LESS THEN 10 DAYS DID THEY VERIFY IT. AGAIN THEY GAVE ME NO PROOF. I HAVE LEGALLY ASKED THIS COMPANY AND EXPERIAN TO SHOW ME PROOF WITH MY SIGNATURE AND THEY CANT! IT IS ILLEGAL AND NOT RIGHT.EXPERIAN IS NOT REPORTING CORRECTLY AND NOT HOLDING UP THERE LEGAL OBLIGATION.

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