vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: DC

Complaint narrative:
In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I just want to follow up with a previous complaint about Nationstar and their fraudulent customer service practices. I received a call from Nationstar and the person handling my account XXXX XXXX # XXXX. I missed the call and a minute later called back and could n't reach her. I left a voice message. A minute ago, I get a call from the same number and they hang up. I call back and I get the voice mail of XXXX XXXX. I called from my work number and it said the # was n't a working number or the call could n't be completed as dialed. How is that possible when I just received a call from someone from nationstar who hung up right as I answered? This is the customer service issues I am experiencing and have been experiencing since my morrgage was transferred over to this company. Until some government entity intervenes and investigates I am stuck dealing with this deceptive company and their questionable business practices and tactics to steal my home. Again, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Nationstar Mortgage purchased my loan from my original mortgage company. I was sent information stating none of the terms of my loan could be changed. Nationstar refused to make payments from a volunteer escrow account that I had with my previous loan company. My homeowners insurance was canceled and I had to pay a portion of it to get it reinstated. I asked in XXXX of XXXX that my escrow account be removed from my mortgage statement. I paid my second qtr. taxes in XXXX XXXX and recently paid my 3rd qtr. taxes XXXX/XXXX/XXXX. Nationstar has been applying the principal and interest payments I have been sending to everything except my principal and interest. I was told in XXXX by a representative of Nationstar that my bill would be corrected and it would be reflected in my XXXX bill. Although my taxes are paid and all my principal and interest payments have been made to Nationstar, I received a threatening letter from Nationstar. And, now that they have sent a threatening letter, it is nearly impossible to get a representative on the phone. After a barrage of calls from Nationstar, and my attempt to contact them, I get a voicemail answering service for the first time ever. It appears Nationstar is attempting to ruin my credit in the process of trying to force me to send my taxes and insurance to them. They have added fees and requirements that were not part of my original loan terms. Once they were notified I was going to refinance my loan I received mailings and calls in an effort to get me to refinance with Nationstar. I have refused based on loan rates and since then Nationstar has attempted to bully me through coercive actions..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I made my payment on Paypal 's website on the XX/XX/XXXX, which is the due date and due to the way their system works they did not process the payment until the XX/XX/XXXX. They claimed I was late by a mere 15 minutes. I have called to ask them to waive the late fee as I am making only XXXX to XXXX a week right now and they are unwilling to assist even though I actually submitted the payment on time on my side. All I have asked for is a fee waived due to my financial status and they refuse to do so, making my payment more than I can afford and setting me up for failure and a revolving door of fees and bad credit remarks from which I can not currently escape from. This is predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: TX

Complaint narrative:
My original loan was around XXXX I made XXXX repayments in the amount {$5000.00} and XXXX prepayments of {$2500.00} totaling {$20000.00}. I did not make any monthly payment during the prepaid period. I made these payments XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. Prior to making these payments, I was paying my monthly payment of {$230.00}. Now, ACS Education who is my loan service say my payoff amount is XXXX because of the interest that accrued during prepayment months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CO

Complaint narrative:
BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to XXXX XXXX. XX/XX/XXXX, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. 

I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.

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 2015-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Incorrect information, such as mortgages, auto loans, etc, that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I tried to pay off my Citi credit card in XXXX and got a check from my credit union to pay off the balance. I sent in the check with the payment coupon on XXXX/XXXX/2016. I checked a few days later and I still had a balance. I waited a few more days and checked back, still no payoff. I called and was told it would take 7 - 10 days to post, to call back then. I kept checking and nothing. Finally near the end of XXXX I called the credit union to put a stop on the check and was told it was cashed by Citi on XXXX/XXXX/16. I called and emailed a dozen times and still got nowhere. I sent a copy of the cancelled check and was told it would take 30 days to research. Finally the check was located on XXXX/XXXX/16 and kept checking to see if it was posted. I called last night and was told it would take 30 days to post to the account. That is 60 days from the date I sent the payoff check. In the mean time I am accruing interest and having to make payments to stay current while the " find '' my lost check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the debt

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 2016-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I believe I was over charged on a parent plus loan through Sallie mae.I would like the money I over paid back..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP
State: VA

Complaint narrative:
I was a home buyer that entered into a contract to purchase a home. The contract included an earnest money deposit of {$5000.00}, and was contingent on financing. I was a small business owner and worked with Network Capital ( NC ) because they told me that the age of my business would not be a problem. After I discussed my business with XXXX of NC I sent a follow-up email on XX/XX/2015 that confirmed the conversation. 

The lender proceeded to charge me for an appraisal fee of {$410.00} and in addition I paid for a home inspection fee of {$470.00} and surveying fee. The lender did not share that there were any issues with the loan until the day of closing, XX/XX/XXXX. NC surprisingly denied the loan on the day of closing because I was a small business owner and the bank was not comfortable with the age of my business ( about 1.8 years old at the time ). I also wish to add that I had excellent credit, 20 % down and no debt. I complained to the lender because the age of my company was not new information, and they even pre-approved the loan knowing this information. NC reviewed my application again and denied the loan a second time for the same reason. 

I have spent the last year pursing the sellers for my earnest money, which I did get back after a trial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation