vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: IL

Complaint narrative:
I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14 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: IL

Complaint narrative:
On three separate occasions, I contacted the credit reporting agency Equifax and informed them of two fraudulent student loan accounts that were being listed on my credit file. I sent a 605b block request via certified mail on XX/XX/2018, XX/XX/2018 and XX/XX/2018 with supporting documents such as my DL, XXXX, FTC fraud affidavit and the specific accounts that were being reported. 
Equifax failed to comply with the FCRA 605b provision on all occasions by not responding to my letter within four days on what actions they would be taking on the fraudulent accounts. Both XXXX and XXXX complied and blocked the fraudulent student loan accounts on my credit reports within 48 hours. The same information was provided to Equifax and no appropriate response was given. 
When reaching out to customer service and speaking with account supervisors, none of them have any knowledge on a 605b request and ask me " what that is, '' but acknowledge receiving my documents. They offer to send the documents to the account providers for their review and a 30 day response window. This is in direct contradiction to the establishment of the FCRA 605 ( b ) provision and has cost me denials of credit and higher interest rates on products being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc
State: VA

Complaint narrative:
I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. 

I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. 

I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.

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 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.

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 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME

Complaint narrative:
Docket # XXXX XXXX XXXX XXXX XXXX. as Trustee on Behalf of The XXXX XXXX Trust Fund C/O Select Portfolio Servicing , Inc. vs. XXXX, XXXX XXXX On XX/XX/2018, Appeared in court with Plantiff 's counsel XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Agreement to vacate property by XXXX and would receive a check for {$12000.00}. To date no payment received and I am getting the run around trying to speak with anyone that has a clue what is going on at SPS?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX my mortgage was transferred to XXXX XXXX/Shellpoint. Prior to transfer I had a payment arrangement with my previous mortage holder XXXX XXXX. The mortage was behind due to the flood in Louisiana of XX/XX/XXXX. I had been working with Capital One to resolve the issue and a payment arrangement was created in XX/XX/XXXX. The payment arrangement was for three increased monthly payments, the first payment due in XX/XX/XXXX, the second in XX/XX/XXXX and the final in XX/XX/XXXX. In XX/XX/XXXX, there was to be no past due owed and normal payments were to be resumed. I have a copy of the arrangement as issued and signed.

I made the first XX/XX/XXXX payment XXXX XXXX. Then, the loan transferred to XXXX XXXX/Shellpoint. However, they did not yet have history of any documents from XXXX XXXX and they told me they would honor any arrangement previously made with XXXX XXXX. I sent them copy of the arrangement.

I made the second increased payment as agreed to XXXX XXXX/Shellpoint inXX/XX/XXXX, and I made the final increased payment as agreed to XXXX XXXX/Shellpoint in XX/XX/XXXX.

My past due balance should now be XXXX. However, my details page with the new mortgage servicer shows I owe over {$7000.00}. And my new monthly payment has increased by almost {$400.00}.

After contacting Shellpoint, I have been told they did not receive any payments made previously with XXXX XXXX. i provided Bank Statements and Mortgage Statements to prove payment. I also asked for a reason for the increase in my monthly payment. They said it was due to escrow but can not account for the increase. The taxes and insurance amounts due do not total the increase. And they can not explain the increase to me.

I contacted Shellpoint NUMEROUS times to clear this issue, but keep getting the same result. They don't have the information they need from XXXX XXXX. I contacted XXXX XXXX and was told they don't have the information any longer due to the transfer.

I was then told to contact the Escalations Department at Shellpoint. I emailed them to try and resolve this issue. I have only received a letter from them that they would look into the issue. However, since then, I have received numerous additional letters that my loan is in default and of their intent to accelerate the loan.

I have tried to call the escalations department, but the voice recording just says they will contact me upon completion of review.

Now, I have two certiifed letters waiting for me. And my account details page still says I owe over {$7000.00}. The last letter I received from Shellpoint said I owed over {$5000.00}.

I need assistance. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Dear CFPB, We are a small business XXXX XXXX XXXX XXXX XXXX. 

We had a customer order a bath tub on XX/XX/18 the amount was XXXX We ran the credit card and it was an exact match, the security code and credit card number matched the address we shipped the tub to. 
The tub was delivered on XX/XX/18 to that same address and signed for by the customer. 

In XXXX we received a call from the credit card company stating that the customer did not recognize the transaction. I explained in detail everything about the order and we hung up. 

In XXXX we received a charge back from the credit card company saying the customer did not order the tub. Again we provided all the documents, we showed that the credit card number and security code were an exact match to the address where the tub was delivered and signed for. 


In XXXX the credit card company declined us and sided with the customer. They did say we could take it to arbitration for XXXX-XXXX we said we would be willing to do that .... several weeks later we received a letter stating they declined our attempt to arbitration. 

We have since filed a police report for fraud with our local PD. They say the amount is under the mount that they typically pursue fraud charges. The address has been verified as a legitimate address by the XXXX county PD, it has also been forwarded to the FBI who will keep it on file to watch for more activity. 

This address does show up on a Bad Buyers list with other similar complaints. 

We are attaching supporting doc 's. 

The phone number for Merchant Services XXXX Our Merchant number XXXX The Dispute number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
When I use the XXXX store card or the XXXX XXXX card and I get a refund it's never credited to the card it never comes off the total it is held as a gift card so they never lose that money and I never gain it back

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 2018-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: DC

Complaint narrative:
On XX/XX/2018 I called the company called Lexis Nexis to  dispute a bankruptcy that this company is reporting to different credit reporting agencies, however when XXXX ( ID number is XXXX ) refused to take my call because I was communicating through a XXXX XXXX XXXX. He said he can't continue my call unless I have a power of attorney letting them know that I give them permission to XXXX the call for me. Why should I have to provide them power of attorney so that I can dispute information that they are reporting. If a XXXX person were to call in and verify all of the correct information they would have been allowed to continue the call. It is discrimination to a huge degree that they did not allow me to dispute my own information all because I had a XXXX XXXX XXXX XXXX  the call for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My business experienced an entity change from XXXX XXXX to XXXX. I wanted to stop all charges to my XXXX XXXX card I used only for business expenses, so I could personally migrate those charges to my new XXXX   business credit card. I also wanted to stop all charges that had been going onto my account after repeated attempts to cancel them. Bank of America cancelled my card number and issued me a new card number, to be sent via mail. Before the card was even delivered, before I even knew the card number, and before I ever activated the card, XXXX gave out my card number to merchants who called and requested it without my permission to do so, or knowledge that they even could do so. Unknowingly, charges continued on my card to the current amount of over {$730.00} over the course of a month. Thats right, {$730.00} in transactions were charged to a credit card that is currently stuffed in the back of a filing cabinet in its still unopened envelope, never activated. I have never given out the card number to anyone as it is still in the unopened envelope so how would I. It has never been swipped, as its impossible to swipe a card in an unopened envelope. And in any event, it has never been activated either. All {$730.00} charges were unwanted and unauthorized. If a company contacted me to get a new card on file, and I deem the charge authorized, I would have given them a different credit card number. Furthermore, I was told by Bank of America there was no way to stop XXXX from fraudulently authorizing charges onto my credit card and jeapordizing my identity by handing out my card number to strangers. My goodness, I cant even call my bank to ask for my own credit card number, but theyll give it out to everyone else!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC
State: CA

Complaint narrative:
I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX refunds are never credited back to the account so the balance never changes that the benefits no one but XXXX and Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Debt collector is EOS CCA. This is for XXXX home. Bill is  dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I  owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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 — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
A company by the name of XXXX XXXX XXXX   located in XXXX, California charged my Golden1 Credit Union Account in the amount of {$2300.00} onXX/XX/2018. I filed an Electronic Funds Transfer Dispute with Golden1 on XX/XX/2018 and explained to them that I had not done any business with this merchant and submitted all of my supporting documents. I called back a few days later for an update and was told my claim had been denied however, a reason was not inputed by the Claims Rep. I then requested to speak with a Supervisor and was transferred to Mr. XX/XX/XXXX, he couldn't provide a reason and stated he would return my call the next day, which he did not. I began to do a little research of my own and found EFT transactions are Government Regulated by Reg E. My Financial Institution where I have been a member for over 13 years and have two bi-monthly payroll deposits should have at least took a little more time to research my claim, contacted the Merchant to ask for supporting documents and followed the Reg E proper protocol and procedure prior to denying my claim.

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 2018-08-14 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX  IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!

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