vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
I experienced a major illness in XX/XX/2017 that required medical transport between hospitals. I had multiple bills come at once for payment. I was making payments for as much as possible to XXXX XXXX and XXXX XXXX XXXX when on XX/XX/XXXX I received a letter from Professional Collections of Maryland - XXXX XXXX XXXX XXXX XXXX, Co XXXX, number XXXX, listing creditor as XXXX, XXXX XXXX XXXX XXXX, Account XXXX. I immediately wrote a check for the full balance, mailed it to the debt collection company address above written to XXXX as that was listed as creditor. That check cleared in XX/XX/2017 and I have the check. The credit company says the ambulance company has it but has not communicated with them- the ambulance company says their billing is off -shore and they can't check to see if it has been paid. We keep getting letters and phone calls- harassing us- saying '' I will put you on hold if you don't .... '' saying we still owe the debt. We feel we are being bullied and harrassed for double payment.The debt collection company is where we sent the check that was cashed- but they state we have not paid it. The check was written to XXXX because on the bill from the debt collector that was listed as creditor on the letter they sent. We have called both companies and mailed a copy of the cancelled check to the collections company. We paid the bill on the first letter we got from the collection agency- we have the canceled check but they will not list it as paid and stop the calls and letters. We paid the entire amount on the first notice. I have copies of the canceled check but do not want to upload to the web site but can produce it when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a credit card account with Capital One which had a balance due amount of {$460.00} with a due date of XX/XX/XXXX. I paid off the whole balance on the account by the due date, and I have a copy of the receipt. I later received a bill the following month for the XX/XX/XXXX statement with a balance due on the account, showing as a finance charge on the amount I had paid off. The statement should have been showing a XXXX  balance. I never used the card after I paid the last balance off, so my account should be showing a XXXX  balance. So I called capital one, and asked them why they were charging me the finance charge on the account that was paid off and up to date, and should be having a XXXX  balance. They told me the finance charge was incurred even before I paid the balance off. However, there was a finance charge already included on the balance that I paid off. They told me I should have contacted them to get a payoff quote before paying up the balance on the account. I told them I have never heard of such a thing, as I have other credit cards and when I pay off my balances in full, none of them has ever come back to charge a finance charge on the account that was paid off. Capital one would not reason with me, but still insisted that the account had the finance charge balance that must be paid. I requested to speak with a manager, and they gave me a supervisor to talk to, who was still telling me the same thing. So, I told them I was going to report them to the consumer affairs department. Now, as of today XX/XX/XXXX I already received a new statement from Capital One showing that they added another finance charge and past due fee to the last amount I had in dispute with them. This is an unfair and unethical practice by Capital One, which I feel the government should know about, because they may be doing it to a lot of other people who may not be checking their account, and getting away with it. I hope you would be able to resolve this issue, after which I will have to close my account with them, since they can not be trusted anymore. I have paid my balances in full in the past with them, and never had this kind of problem, so this is a new way they are trying to " steal '' from from innocent consumers. I hope if anyone reads this, and have a Capital One credit card will start reading their statements carefully, to catch any irregularities like mine. Thank you for your assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 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: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
i had complaint to the state of education about this? i dont know who is this third company COAST professional they have a XXXX XXXX XXXX XXXX XXXX LA XXXX. this company doesnt even say where its from. I have disputed this was cancel and i inform the state of educ. I have a XXXX  and there were no loan borrowed? all this was cancel and they wrote the wrong name. very unprofessional acct XXXX for XXXX. all this is wrong?? no school, no loans, this company is fraud. i spoken to XXXX. But i never borrow anymoney from them so how can they say i own them money. im not sure where this from .should be all cancel, no name, no endorse loans. I have a XXXX. this dedt company is trying to go around it because it was discharge. i never borrow any money and they have someones wrong information. i dont know if this is vocational or third party. I never took a test or sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had a private loan through XXXX now Navient has taken over the loan. Navient makes no attempt to work with to lower the interest rate. I co- sign for the loan in 2009. Myself and my husband are both XXXX now and looking for some cooperation from Navient. 
Finally was a XXXX allowed to sell off there loan to Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan was servicing my home mortgage at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, we sold the home in XX/XX/XXXX& moved to XXXX  FL inXX/XX/XXXX. I never received my escrow check as I closed out my mortgage with them. I was a victim of mail fraud, provided all the proper documents to them & XXXX XXXX who cleared the check in XX/XX/XXXX. This has been going on for over 6 months without any closure on the issue, horrible customer service on where the case stands. I call XXXX XXXX every 2 weeks & they tell me the case is still open/pending, & no one at Rushmore gets back to me after continuous voicemails & emails to my initial given POC. XXXX XXXX says they can't help me or provide any further details since my dispute/claim is with the issuer of the check of Rushmore. The amount is for {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: GA

Complaint narrative:
Currently being reported on my Experian credit report is a trade-line named ( XXXX XXXX XXXX XXXX ). This trade-line is an auto finance loan that was opened in XX/XX/XXXX and was subsequently repossessed in XX/XX/XXXX. The loan was originally underwritten by XXXX XXXX but was bought in XX/XX/XXXX by XXXX XXXX XXXX XXXX. The loan first became delinquent in XX/XX/XXXX.

Currently, the loan is being reported incorrectly. According to the FCRA, the trade-line can remain on your report 7.5 years from the first incident of delinquency regardless of debt owner or sale. The loan became first delinquent in XX/XX/XXXX however the trade-line is still being reported to this day ; almost 4 years past the time when it should have been removed.

Experian has been provided full documentation supporting the above information ( 6 ) six times now, however the record has not been updated or deleted. Furthermore, XXXX  has agreed to remove the trade-line and provided documentation, however Experian still has not removed the trade-line. This same information was provided to the other ( 2 ) two credit bureaus ( XXXX and XXXX  ), who have both promptly removed the trade-line.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We bought our home through Wells Fargo in XX/XX/2016. The following XXXX, we received a letter from Wells Fargo saying that we were {$4500.00} behind in our escrow account. They originally tried to blame the problem on me telling me that my taxes must've gone up. My taxes did not go up. Then they told me that I should have a savings account to handle these types of problems. After reviewing the deficit, they realize the mistake was theirs. I was then forced to pay {$4500.00} to get my account up-to-date. I asked them if it would be acceptable if I transferred the money from my account to my mortgage with a note in the memo stating this was for escrow. They told me that that would be fine. I then transferred the {$4500.00} with a note in the memo. I also adjusted my monthly payments to reflect the increase in the escrow amount. Not long after I received a note from Wells Fargo stating that I was {$11000.00} behind in my mortgage. We have never missed a payment, everyone of our payments has been on time. When I called them to discuss the letter I received it was determined they had misapplied my {$4500.00} and somehow managed to screw up my mortgage payment history. After spending some time on the phone with them they rectified my payments. However, just yesterday I received another note from them saying that again we are behind on our escrow. Wells Fargo is a train wreck.

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 2018-03-27 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: MD

Complaint narrative:
I been contacting Equifax for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.

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 2018-03-27 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: CarMax, Inc.
State: MD

Complaint narrative:
I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I been contacting XXXX  for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.

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 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I opened a checking account with Citizens Bank with a promotional coupon that promised to give me a {$200.00} bonus if I met the terms. The terms were to set up direct deposit and have one direct deposit of {$500.00} or more, to not have been a primary signer on another checking account in the past 6 months, and to have an account in good standing. All of these terms were met, and I called the bank repeatedly after the 3 months that they told me it would take to receive the bonus. I have not received the bonus after more than 6 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I gotten 3 calls from portfilo recovery 3 times I given my attorney and told them I was on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation 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 explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
This has been over a year and the company will not contact me, when I call they hang up on me and will not provide any information I ask. I was told that the company is practicing unfair collections and phone calls, by my lawyer. The company took down my online profile so I was unable to pay my loan. I had to wait 6 months for my lawyer to get a response from the company 's account manger for my account information. In that time they reported my account as delinquent and turned it over to connections. I had nothing in writing and they would not provide what collections company I was suppose to pay. I am at a loss as to what I need to do now. I have made payments in the past three months totaling over {$1000.00} and nothing show on my credit.

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