vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 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: ME

Complaint narrative:
I have faithfully been making payments on time since the day my loans were in repayment. Suddenly today ( XX/XX/XXXX ) when I access my online account to get tax documentation for my accountant I shockingly saw a letter threatening loan defaulting and negative reporting to creditors over an overdue {$5.00} interest payment from XX/XX/XXXX that I WAS NEVER NOTIFIED ABOUT!! I have even called to speak with XXXX about questions I had should I change employers and whether or not I'd still qualify for PSLF if I did between now and XX/XX/XXXX and no one could mention to me about this {$5.00} overdue payment?? What's the point of XXXX having my contact information if they don't call, email or write any letter or warn me in any way of what is going on??!! I'm horrified and want the issue resolved. Since discovering this today, I went ahead and scheduled to pay the monthly balance on monday XX/XX/XXXX since payments aren't accepted on weekends and today is Saturday. On XX/XX/XXXX, I hope this can all be resolved and I do not want anything negatively reported to any creditor and if it has been since XX/XX/XXXX I want it removed and taken back. I plan to file a negative credit dispute with them and will take this to my state attorney general for further support and for XXXX to take accountability of their improper management and neglectfulness on communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Dates are unknown but one if few creditors have made repeated calls to a step-parents work.. I never provided that info and I don't even know that info ... They have been asked to stop calling them on several attempts..NAME OF COMPANIES ; It is unknown which payment processing server is calling her. According to her they won't identify name of comoany, number is unknown because it us going though a switchboard no caller id ...

1 XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX None of these companies were provided with her work info.. All should have my address, my e-mail, and phone numbers for me and my wife..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
THIS IS MY SECOND COMPLAINT FILED AGAINST OCWEN LOAN FINANCING. THE FIRST COMPLAINT WAS FILED XX/XX/2015. THE COMPLAINT NUMBER WAS XXXX. FOUR YEARS LATER, THERE ARE STILL MANY UNRESOLVED ISSUES. OUR LOAN WAS TRANSFERRED FROM XXXX XXXX   TO OCWEN LOAN SERVICING. WE STARTED GETTING DOCUMENTATION IN TWO DIFFERENT NAMES. WE WERE ONLY AWARE OF ONE LOAN. HALF THE DOCUMENTATION SENT IN THE ANSWER TO THE ORIGINAL CFPB COMPLAINT WAS STILL UNDER TWO DIFFERENT NAMES. THIS WAS EVEN FOUR YEARS AFTER OUR PAYMENTS WENT MISSING. THIS APPEARS TO STILL BE AN ISSUE. OUR PAYMENTS WERE NOT BEING PROCESSED. WE WERE BEING SUED FOR A DEFAULT, ON TWO DIFFERENT LOANS, ON THE SAME PROPERTY, AT THE SAME TIME, BY THE SAME MORTGAGE COMPANY. A FORECLOSURE WAS STARTED. OCWEN SAID TWO OPEN LOANS SHOWED UP UNDER MY SOCIAL SECURITY NUMBER. AFTER OUR COMPLAINT TO CFPB, OCWEN SAID, ONCE WE MADE THEM AWARE OF THIS ERROR, THAT THERE WAS ONLY ONE LOAN, THE ERROR WAS CORRECTED. OCWEN ASSURED US THE PAYMENTS WERE PROPERLY APPLIED BUT THIS WAS FOUR YEARS AFTER THE ORIGINAL FORECLOSURE. SINCE THAT TIME, FIVE DIFFERENT FORECLOSURE ACTIONS HAVE BEEN FILED AND EITHER DISMISSED OR THE SALE AUTHORIZATION DENIED. OCWEN KEPT FILING FORECLOSURE LAWSUITS WITH NO RESOLUTION TO THE ORIGINAL MATTER. THESE FORECLOSURE LAWSUITS HAD TO BE DEFENDED. OVER {$12000.00} IN FORECLOSURE FEES AND COSTS HAVE BEEN ADDED TO THE AMOUNT TO CURE THE MORTGAGE LOAN. EVEN THOUGH THE MORTGAGE COMPANY ADMITS THEY MADE THE ERROR, THEY REFUSE TO CREDIT OUR LOAN FOR THESE ILLEGAL FORECLOSURE FEES. WE HAVE ALSO INCURRED TENS OF THOUSANDS OF DOLLARS IN ATTORNEY FEES. WE ARE BEING REQUIRED TO PAY ALL THE FEES AND COSTS THAT RESULTED BECAUSE OF OCWENS ADMITTED ERROR. THE PROPERTY IS CURRENTLY, AGAIN, IN FORECLOSURE. WE REQUESTED CURE FIGURE OVER 90 DAYS AGO AND THEY HAVE STILL NOT BEEN PROVIDED TO US. WE WERE SUPPOSED TO GET THESE CURE FIGURES WITHIN 10 DAYS AFTER REQUESTED. THE REQUEST HAS BEEN IGNORED. WE HAVE BEEN TOLD THAT IF WE SENT IN TO OCWEN, ONLY THE AMOUNT WE THINK IS DUE, THE FUNDS WILL BE RETURNED BECAUSE THEY ARE LESS THAN THE TOTAL AMOUNT OCWEN DECLARES IS ACTUALLY DUE. OCWEN IS NOT INTERESTED IN ALLOWING US TO CURE OR PAY OFF THIS LOAN. OCWEN FORCED A FORECLOSURE THROUGH AN ACCOUNTING ERROR. THEY ADDED EXORBITANT FEES TO THE LOAN BALANCE AND WILL TAKE THE HOME THROUGH FORECLOSURE IF WE CANT PAY THESE FEES. THAT IS NOT JUST COMPENSATION FOR OCWEN ; THAT IS OCWEN TAKING OUR HOME ILLEGALLY. WE SHOULD NOT HAVE TO PAY LEGAL AND FORECLOSURE FEES FORCED ON US BY A MISTAKE CAUSED BY OCWENS OWN ADMITTED ACCOUNTING NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: FIRST ADVANTAGE CORPORATION
State: MA

Complaint narrative:
in XX/XX/2016 my landlord XXXX XXXX sold his 2 family townhouse to XXXX XXXX. He informed me that she was going to keep me as a tenant because he told her I was a good tenant and would speak with me about resigning with her. When she came to speak with me she told me he gave me the wrong information and that she would need me to leave. I told her I did not have first, last and security to move and I would work on getting the money and would be back in touch with her, Within a few weeks she had sent me paperwork for an eviction hearing in Mid XX/XX/2016.. This was nothing I did wrong and is making me look like I am a bad tenant which I was not. I am trying to find a new home and am being denied everywhere I go because of this being put on my credit report. I would really appreciate it you considered removing this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I had an account set up with M & T Bank 2016 some time i believe in XXXX and some one accessed my account and overdraft my account up to XXXX  dollars and my account was flagged and closed being that i don't know too much about bank accounts and how they work the problem was never resolved.this account was opened in XXXX XXXX XXXX.I 'm just seeking to have this resolved being that XXXX dollars was taken when i made a deposit at the atm machine and i knew nothing about the overdraft.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

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 2019-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
This company has sent a text message which is disparaging me, violating at least one law that I know of while also presuming to lecture me on the law. 

When I am currently represented by a bankruptcy lawyer and that is in full legal force right now. 

They have also been lying and fishing forum information from family and friends, lying to them and trying to trick them into paying for my mistake and getting involved in these scum. 

No weapon formed against me shall prosper. 

Everything they are doing is blatantly and flagrantly violating the law. The fines involved in what they're doing outweighs my debt to them, tenfold. 

This abusive behavior has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: GA

Complaint narrative:
I have a XXXX XXXX account that handles all of my student loans. 

I had financial hardship was forced to put my account in forbearance. 

The most recent time was in XX/XX/XXXX and I had made payments in XX/XX/XXXXand XX/XX/XXXX - however in XX/XX/XXXX, after the forbearance period ended and I made immediate payments, XXXX still dinged my credit report which dropped my credit score drastically ( near 100 points ) - My account is in good standing - last time I talked to a XXXX rep I was told that I just had to dispute it. 

Please help. I know I had been behind on some payments in the past and these are student loans to a degree a never got. Im still in my late 20 ' and finally learning about credit, I am finally making a better income and just want to get my financial life on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I didn't give them permission to run a hard credit check. I contacted there head quarters spoke to two people who told me they don't know why they would do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On or about XX/XX/2019, I transferred {$420.00} to my mom using Cash App ( an online financial transfer product of Square, Inc. ). After a few days, my mom had not received the transferred funds in her account. 
On or about XX/XX/2019, I tried to contact Cash App ( a service with few available customer support interface options except online ). With limited options ( and few responses ), I filed a dispute with my bank ( XXXX XXXX ). After filing the dispute, we ( my mom and I ) realized the issue ( with the transfer ) was somehow on my mom 's end. 
On or about XX/XX/2019, I cancelled the dispute with my bank. 
On or about XX/XX/2019, my mom was notified that as a result of my initial dispute ( which had been cancelled ), the funds ( {$420.00} ) were being withdrawn by Cash App from mom 's ( checking ) account and would be refunded to me ( the withdrawal from my mom 's account occurred on that date ). As of today 's date ( XX/XX/2019 ), I have not received the refund. 
I have contacted Cash App multiple times ( including sending emails to to Square, Inc. 's CEO and the executive in charge of the Cash App product ). 
According to the information provided by Square/Cash App, a refund was ( allegedly ) initiated by Cash App on XX/XX/2019 ( which doesn't actually match up with the timeline of events as I don't imagine Cash App would have initiated a refund to me prior to having received the returned funds ). 
However, my bank ( XXXX XXXX ) does not have a record of receiving the funds ( from Square/Cash App ) and is unable to locate any information corresponding to the ACH trace number provided. 
I have sent multiple emails, to no avail and I have been forced to file another dispute with my bank. I engage in numerous ( personal ) financial transactions on a monthly basis, including cross-border currency exchanges/conversions, transferring funds between different financial institutions, etc. ( as well as generally returning merchandise I have purchased using credit cards ). I don't recall having this many problems and/or spending this much time on what is a relatively insignificant amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs kohls credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, Bank of America accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.

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 2019-03-10 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: U.S. BANCORP
State: IL

Complaint narrative:
Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.

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 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IA

Complaint narrative:
I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX  that I did not order the wine. The wine was returned to the shipper. 

XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Netspend Corporation
State: WI

Complaint narrative:
Negative Balance Notice-Action Required XXXX  XXXX XXXX  XX/XX/2019 XXXX XXXX   Inbox To : XXXX ; Dear User, We wish to notify you that activity on your card account has resulted in a negative balance on your account for XXXX consecutive days. You may be required to resolve the negative balance to continue using your account, and you may be prevented from opening future accounts that are managed by NetSpend. 

Please fund your account as soon as possible so that you no longer have a negative balance. 

Sincerely, Your Customer Service Team

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