vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
This has been an on going battle since XX/XX/2008. My compliant starts when this company ( at the time was Sallie Mae ) told me that there was nothing that they could do to help. I was laid off, and with my unemployment checks I paid my student loans and kept them current until my last check I called and was told there was nothing. I paid {$200.00} at least 4 times for a forbearance which didn't go to my loan, just lined the companies pockets. As I struggled to make my payments I would pay as much as I could month. I got a letter saying I have not paid anything so I called and asked about this. I was told the money was going into a " piggy bank '' until a full amount was reached to pay the monthly amount. That's not right. So while I was making payments they were not being applied to anything and hurting my credit and making my bill larger with penalties and late charges. After years of this going on my bill has gotten out of control that I'll never be able to get out of. I've talked to several lawyers to file for bankruptcy with no help. I got my wages garnished by some collection company that I called and we worked out a XXXX dollar payment a month which I did and did successfully so last year I filled another IBR and I got a letter saying my payments are going up {$760.00}. There's no way I'll be able to make that payment a month and this is just getting ridiculous. My school shut down, I never got a job for what I went for and student loan forgiveness doesn't help me and it's all because of this company completely ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid the entire credit card balance of {$10000.00} off bringing the account to {$0.00}. On XX/XX/XXXX I received an email that my credit card statement was ready and there was a new charge of {$160.00} in interest applied to the balance owed. I contacted CapitalOne Customer Service today on XX/XX/XXXX to inquire about the charge and to ask this be removed. I spoke with XXXX, the CSR who passed me to a supervisor as she ( XXXX ) was unable to remove the interest fee. 

The supervisor indicated she could not waive the fee and the interest charge was applied on XX/XX/XXXX, the same day as my payment posting. This can not be the case as I logged in to my account 2 times after my payment posted ( on XX/XX/XXXX and XX/XX/XXXX ) and the account was showing a {$0.00} balance. This interest charge had to have occurred after XX/XX/XXXX and the account supervisor is not providing accurate information. 

I would like to lodge a complaint against CapitalOne based on on deceptive and unfair practices and will continue pursuing my request for CapitalOne to remove the charge. I have documentation showing the date the balance was paid, the date the interest was charged and also documentation showing the dates I logged in to my account to view the balance. 

Thank you for taking the time to review this complaint and please let me know if there are any questions or if any additional information is needed. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have a mortgage with Ocwen that matured XX/XX/XXXX. Ocwen notified us that we still had {$29000.00} of unpaid principal. We disagreed with that amount. Ocwen would not budge. We hired a firm called XXXXto handle an arbitration to either reduced that amount or the 10 % interest rate.This was XX/XX/XXXX. We paid {$2700.00} although we were told ito retain them was {$1700.00}. They assured us that they could take care of it before the maturity date. They didnt. And we were billed an additional {$500.00} twice. Now I cant get them on the phone. I have email, text, fax with no response. Can you help us. I dont know whether to file bankruptcy or go back to Ocwen. My husband is on XXXX, I have XXXX  and XXXX and this need to be taken care of. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
Williams and Fudge called claiming they initiated contact months ago, only after receiving the call did I find an email from them that had been sent months ago but contained little information other than an attached PDF with instructions on how to open it. No where in the email does it state that this is an attempt to collect on a debt and has so little information that I had initially presumed this to be a phishing email. 

It doesn't not seem fair or in good faith for a debt collector to " initiate contact '' with a purposefully vague email that requires downloading an attachment just so they can start the 30 day countdown over disputing the debt. It was not until months later, after the 30 days, that I started receiving phone calls notifying me about said debt. This appears intentional on their part in order to avoid having to respond to a debt validation letter. 

I was able to contact the school in order to verify that this debt was legitimate however as stated earlier this does not seem to be fair to the consumer and intentional on part of Williams and Fudge. 

*I currently can't attach a pdf of the email so below is it copied. 
Subject : Personal Business Body : Your eDocument is best viewed using the latest version of the XXXX XXXX - get it here Welcome to eNotice - Please review this email carefully. 
XXXX Authenticate Your Details : This attached document is intended and restricted to be viewed by : XXXX XXXX XXXX Dear XXXX XXXX XXXX, To open your secure document : 1. Open the PDF attachment.

2. Provide the last 4 digits of your SSN to open the document.

If you follow the instructions and are unable to access the attachment, then you may not be the intended recipient of this email. If you are unable to open the attchment, please use the instructions provided to unsubscribe. 

Sincerely, Williams & Fudge , Inc. 

XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document enter the Last 4 digits of your SSN in the Password field of the PDF. 


XXXX Get XXXX XXXX You'll need the XXXX XXXX to view your secure eDocument. Get it now. 

You may contact us at : Williams & Fudge , Inc. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX Unsubscribe Instructions Go here to unsubscribe : Unsubscribe Link Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
refL Select Portfolio Servicing Acct : XXXX My mortgage had been transferred 3 times from country wide to XXXX XXXX XXXX, to XXXX and now select portfolio servicing since my acct had been transferred the loan amount had been increased drastically now the new servicing is collecting a advance fee for {$2300.00} plus interest a fee that had not clue I owed ; according to to SPS stated that I owed this fees since XX/XX/XXXX ; I had explained that never received any loan advance to maintained the property why I had been added an additional fee that never heard about ; I tried to resolved this issue unsuccessful now I owed more that my total amount I borrow in XX/XX/XXXX for {$270000.00} first mortgage. Please help .. I had been straggling for each lender since then with not luck but more in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an account with the original creditor being XXXX that was a fraudulent account that has been disputed several times this account is now being reported under XXXX XXXX as a collection.

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 2018-04-23 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: IL

Complaint narrative:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related 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 explanation
Consumer complaint received 2018-04-23 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I had a collection ( original creditor was XXXX XXXX XXXX  ), and it was sold to XXXX XXXX in the amount of {$350.00}. XXXX XXXX hired a law firm to collect the debt in the amount of  {$350.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX ) in XXXX, MA. On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX and Paid the {$350.00} and they sent me a letter showing that my obligation was satisfied in full. They told me to contact XXXX  XXXX in two weeks which would be the amount of time for my check to clear and for them to receive the release. Before calling Midland I signed onto my account to see if the payment had been received and it was ( they showed the {$350.00} broken down into three $ amounts ), only now they showed a new balance of {$190.00}. I called and was told that this would be adjusted and it could take up to 30 days. 
Today, I received notice from XXXX that there was a collection change on my credit report and it shows that my total collections was decreased from {$350.00} to {$190.00}. 
The total was always {$350.00}, I never received anything advising me it was more than that. I have no idea what the additional {$190.00} is for. I would like this changed to paid in full and it's my understanding that they would remove the collection from all three credit reporting agencies. 




Account information Original Creditor XXXX XXXX XXXX, XXXX. 


Merchant or Service provider - Original Account Number XXXX Your Account Manager - PAYMENT SUMMARY2 DATE PAYMENT XX/XX/XXXX {$260.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$85.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Yes, On XX/XX/XXXX, I sent a certified letter requesting a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C 2605 ( e ) to : U.S. BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This is the address I was told to send my request. It has been more than 5 days and I have not received an Acknowledgement of my request for the Qualified Written Request. 

I have attached a copy of the letter that was sent to them and the receipt from the post office that they signed for the letter. 

I have also attached a copy of the Securitization Analysis Report dated XX/XX/XXXX. Please note that this is the 2nd time I have requested this information from US Bank and they have not complied. Thank you for your time and consideration. 

I have also attached a document that they used in Bankruptcy court that I did not sign. I would like for them to send me proof of evidence that I was actually in XXXX XXXX County in XX/XX/XXXX. I did not sign this document. This is Fraud.

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 2018-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: MI

Complaint narrative:
This complaint is about the transfer of title when a loan from US Bank was paid off in XX/XX/XXXX. In XX/XX/XXXX, I leased a XXXX XXXX truck with XXXX XXXX. When the lease was completed, I purchased the truck with a loan from US Bank. That loan was paid off, and I expected a title to be issued to me. As you can see on the current XX/XX/XXXX registration, the truck ownership is still in the name of XXXX XXXX. The title should have been transferred to me when the loan with US Bank loan was open in XX/XX/XXXX. I have confirmed with the State of Michigan that the title is still in the name of XXXX XXXX. However, the State can only provide a copy of the title to the owner. Numerous phone call and correspondences to US Bank during XX/XX/XXXXhave not resolve this problem. When the loan closed in XX/XX/XXXX, the loan proceeds should have paid the transfer fee and sales tax. At that time the title should have been transfer to me. The Bank needs to contact its leasing company to correct this problem.

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 2018-04-23 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: IL

Complaint narrative:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related 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 explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: GA

Complaint narrative:
I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX XXXX XXXXXXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX  was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession, Pay Payment StatusRepossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: PA

Complaint narrative:
First Bank is unwilling to permit a rollover to a XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( Branch Manager, or the main office ), have continue to misinformed of me of the options to withdraw the two Educational IRA that matured on XX/XX/2018 ( Sunday! ). I called on XX/XX/2018, and thereafter, faxed my request, my Bank faxed the rollover request, and last I sent priority mail, with certified signature as well ( within the ten days of making a decision of renewing or withdrawing ) to First Bank. Every step, is a barrier and now First Bank which is an FDIC secured bank, under the Federal Banking laws, and the IRA which are under the IRS laws and regulation, refuses to complied with liquidating and rolling over the two IRAs that are needed for my son going to college, and my XXXX son to prepare for college. I have it in writing that First Bank have stated that they will not transfer or rollover money outside to the USA.

Company response to consumer: Closed with explanation