vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: CT

Complaint narrative:
To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: FL

Complaint narrative:
Hello, This took place about a year and a half ago with a company called Premier Student Loan Center. 

Premier Student Loan Center withdrew three payments of {$290.00} from my bank account. The first withdraw was XXXX XXXX, 2016, the next was XXXX XXXX, 2016, and the final withdraw was XXXX XXXX, 2016. I did not receive the services I was promised. I was told by the first Premier Student Loan Center agent I spoke with, that my total loan payoff amount would go down {$4000.00}, from XXXX to {$8500.00}, and that I would have a {$30.00} a month student loan payment that would go toward paying off my {$8500.00} student loan. As it turns out, none of this was true. My student loan has not gone down any, and the {$30.00} was to go to Premier Student Loan Center every month to do nothing. Loan consolidation is a free service, which they proceeded to do for me one time and then once a year they would renew my repayment plan which is a free service as well. Furthermore, they lied to the new student loan agency they hooked me up with ( XXXX XXXX, I was originally with XXXX ), and said I had XXXX children and whatever else they had to say so that I would have a XXXX balance on my loan repayment and my {$30.00} a month would keep going to Premier Student Loan Center. 

Once I figured out what was going on I wanted a full refund. I talked to a supervisor at Premier Student Loan Center and another agent. I also got my bank involved and brought their fraud department up to date. I was able to get {$600.00} of the {$900.00} they charged for services not rendered as well as a refund on the first $ XXXX monthly charge they withdrew from my account. I closed my account with Premier Student Loan Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.

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 2017-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MD

Complaint narrative:
Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In 2004 we were encouraged by a loan officer we knew well at XXXX XXXX to take out a home equity line of credit. XXXX -- no appraisal, no verifications. We actually did 4 more equity lines!! Interest rates increased, values fell!! We retired & have had difficulty paying on these lines although somehow we do it each month. We have begged XXXX for help -- loan modifications ( lower interest rate, reduction in pricipal ) Something!! They acted like they wanted to help but could only offer a possible short sale -- we live off the rent incomes -- how could that possibly help? Please no response from XXXX XXXX, Office of the President -- she has been NO HELP WHATSOEVER!!! Now we receive a letter from XXXX, XXXX XXXX saying our equity line is available & open to use!! WHAT IS WRONG WITH YOU PEOPLE AT XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Dear CFPB, This medium is to seek CFPB intervention in a situation that we found ourselves with Freedom Mortgage. 

We bought our house in XXXX XXXX that was financed by XXXX XXXX but was later transferred to Freedom Mortgage. In XX/XX/XXXX I started get several calls from an XXXX number unknown to me at the time that it was Freedom Mortgage calling day and night, which I returned the call but while talking to the agent that picked my call, she mentioned that my monthly payment has gone up by XXXX dollars. I informed the agent that I did not get any correspondence about the change, the agent admitted that they did not send any letter or email. After speaking to the agent I begin to pay the extra XXXX dollars. A month later I received a bill that we owe two months ... .I always send my bill 10 to 12 days before the due date. 


Two months after the XXXX dollars increase they send another letter that my mortgage will go up again by another XXXX dollars starting from XX/XX/XXXX payment. Speaking to several people at this company have produced a lot of run arounds and misleading information. I was told that the XX/XX/XXXX increase was from my State NC requirement which I called NC State and that was not a truth which Freedom Mortgage customer relations XXXX XXXX also attest to it not being the truth. 

I have spoken to Freedom Mortgage customer relations personnel that told me that all the fees on my account has been removed but to my surprise Freedom Mortgage has used one of my monthly payment to pay the fees and keep the rest in one account which is making my account look like I am one month behind. I have all the bank statements that shows that I make payment on time and regularly. 

Your help on how Freedom Mortgage will reset my account back to normal will be greatly appreciated. 

Thank you in Advance. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: WA

Complaint narrative:
Regarding my XXXX XXXX loan # XXXX On XX/X/17, the first loan payment was made to Paramount for {$1000.00}. When XXXX bought the loan from Paramount, Paramount failed to transfer the extra payment portion to XXXX which was {$250.00} of the {$1000.00} payment. 

Paramount held the extra portion so it did not go to the principal of the first payment to XXXX. Is there anything that can be done to correct the loss of principal payment that should reflect on the principal balance. It appears {$250.00} is missing from the payment from Paramount to XXXX. 

Regards, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received notification from XX/XX/XXXX that XXXX XXXX XXXX XXXX had placed a collection on my account for a previously disputed amount of {$830.00}. Not only did I clear this matter with the original debtor XXXX, but gave notification to XXXX XXXX XXXX in XX/XX/XXXX via phone call that this was a fraudulent debt. Also, the debtor received a letter of clearance from the outsourced debtor ( XXXX ) absolving me from any further liability. When I have attempted to contact XXXX XXXX XXXX XXXX, they no longer are taking any phone calls and are not able to be easily reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I 've asked Experian to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which Experian must have on file and received nothing to day. Last correspondence stated Experian will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at Experian request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question Experian 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.

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 2017-12-03 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: AZ

Complaint narrative:
I am a victim of the recent XXXX data breach, and a victim of identity theft. The following 2 credit card accounts on my XXXX and Experian credit report are fraudulent, unauthorized and the results of the XXXX data breach : XXXX XXXX and XXXX XXXX. The 2 accounts arent mine and dont belong to me.

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 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial : I did paid off on credit card, Lease, and phone bills. It didnt repair on Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The date of this collection appear on my credit on XX/XX/XXXX ; I think it was for at the month of XXXX rent for my apartment which was already paid in full after I moved out. I had no idea that I owed XXXX to my old Apartment complex however they did not even notify me by mail or via phone. I have my document of vacating my apartment without any charges on the statements of my account but now I have a collection that will stay on my credit until XX/XX/XXXX. I paid my bill and the Manager was not nice to me and she tried to threaten to damage my credit report and have me thrown off the premises or take my property with my permission. I paid my rent and the bill for a year and 2 months. They also extend my lease contract for another month to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: FL

Complaint narrative:
on XX/XX/XXXX. I found a phone payment on my bank of America I did not make. This happened after I was issued a new card because of breech ( happens frequently ).

I talked with several people before getting. round. it took several more calls to start a dispute. No one could explained how a phone payment was made on my account. 

I am waiting for the dispute process to be completed. 

On XX/XX/XXXX. I found another charge for return check fe, because I stopped the payment I did n't make. I had to call and get it reversed. 

Bank of America seems to try and charge customers any way they can.

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 2017-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.

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