vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Im contacting you based on a letter I received from  Convergent for a  bill they claimed I owed to  XXXX   XXXX . I spoke with Convergent after receiving their first letter. They told me I owed {$60.00} for an early disconnection fee and {$18.00} for the cost of shipping the equipment back. I gave Convergent my debit card and told them I would pay {$60.00} for the early termination fee as I did close my account with  XXXX   XXXX  early but I dont agree with the return shipping charges. Simply put if  XXXX   XXXX  wanted me to pay the shipping cost of returning equipment why would they send me a box that had shipping prepaid? When I opened my account with  XXXX  I also dont remember agreeing to this as well. I explained this to Convergent when I paid the early termination fee so I dont understand why they would send me a letter stating their investigation process will not begin until I provide more information. I dont understand why I have to prove I owe this! Doesnt Convergent need to prove I owe this debt if I believe it to be invalid? I do n't understand why my conversation over the phone was not sufficient to dispute the debt.     Thank you for your help in this matter,

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Disputed these accounts with said credit bureau but response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am trying to get the private mortgage insurance cancelled on my mortgage as we have met the requirements. My mortgage  carrier  ( LoanCare ) states on their website that a written request must be submitted, which was done through their website program specifically for this request. This was done on   XXXX   XXXX   XXXX    . I waited  XXXX  weeks with no response and followed up on   XXXX   XXXX   XXXX    . At that point, I was able to talk to someone in customer service and they stated they never received my request. They continued to submit it over the phone and get my case opened. I waited another  XXXX  days before following up again. When I called and spoke to them on  XXXX   XXXX , they told me it was in process and would be completed and I would receive a letter from them by  XXXX   XXXX  giving me the results. After I received no letter, I called back again on    XXXX   XXXX   , and they said it was still open and it was scheduled to be completed by    XXXX   XXXX   . I called on   XXXX   XXXX   to get an update, and they told me they still needed another 10 days because it was a 20 day process. I told them when I started the process, and asked to speak to a supervisor. They input that request into my case and I have yet to hear back from that supervisor, today is   XXXX   XXXX  . I have talked to several people over the past 2 days, they have all told me that they see the request for that manager to call me back and said they are required to call me back " that day ''. After several more calls this morning, and refusing to get off the phone accepting the reply of " my supervisor will call you back '' I talked to a supervisor of some sort and told them I wanted to file a formal complaint on their customer service. They ignored that request and told me that the supervisor I was supposed to be getting a call back from will get to me in the next  XXXX  hours. In the meantime, I have no choice but to pay for the PMI that I should be able to get cancelled, which is costing me $  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 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.

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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I contacted  XXXX   XXXX   XXXX .  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in BK. I explained by BK was released in   XXXX   XXXX     and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.   XXXX   Called and still no updated per  XXXX .   XXXX    XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call.  X/27  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since   XXXX   and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager  has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  3.75.  I have kids and would like to get my mortgage down. I 've been overpaying for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
iam unable to obtain my  XXXX   XXXX  because of wrong personal date of birth on my account, the wrong birth year is  XXXX , whilst my correct date of birth is  XX/XX/XXXX , i have attached my credit report showing this information and my state id and passport showing my correct date of birth

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 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient correspondence dated  XXXX / XXXX / XXXX  states it can not process my  IBR re certification application as the form I used is " an old version that expired. '' The form I used states in the top right corner : "  XXXX   XXXX .  XXXX  Form  Approved Exp . Date  XXXX / XXXX / XXXX . '' It is  XXXX  pages.     Navient says that form was updated in  XXXX  of this year. The form they say I must use is  XXXX  pages, and is labeled identically to the form I used : "  XXXX   XXXX .  XXXX  Form  Approved Exp.  Date  XXXX / XXXX / XXXX . '' I spent approximately  one  hour today (  XXXX / XXXX / XXXX  ) on the phone with  XXXX  different Navient staff of increasing supervisory status, asking them to either : a ). process the form I sent in, which on its face is clearly current, or b ) tell me what information they require that my application would have omitted. They declined.     I 've been in  IBR st atus with a zero payment for at least 5 years.  XXXX   XXXX  used to send the current form in the mail, but  Navient has ne ver done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank had charged me excessive fees for no reason. I was charged  XXXX  dollars in fees for  XXXX  transactions that never hit my account. I never had knowledge of it until i saw a  XXXX  dollar return item fee on my account. Other than that there was no pending transaction for the amount they returned. They did not give me a chance to pay it or dispute it for accruacy. Chase bank also charged me for a charge that was paid the same day it hit my account before the cut off time of  XXXX  EST. I want the fees reversed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.

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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  and   XXXX   XXXX   XXXX   seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in  XXXX  and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized   XXXX   to pull our credit report  one ti me. Shortly after contacting  XXXX , we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED.  It 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s ),  that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers  credit score   XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and   XXXX   XXXX   XXXX   ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection , FTC and   XXXX   attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.

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 2017-05-02 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: NY

Complaint narrative:
Non-Response from Documents supplied

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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This is a follow-up to my previous complaint.   Consumer Financial Protection Bureau  ( CFPB )  :  XXXX  Ditech Financial LLC Account Number :  XXXX   Ditech  stated in there letter dated  XXXX   XXXX ,   XXXX   : Our records show, however, a new advance was assessed to your account on  XXXX   XXXX ,   XXXX  . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your  XXXX    XXXX   payment was due  XXXX   XXXX ,   XXXX  , but did not post to your account until  XXXX   XXXX ,   XXXX  .     This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for  XXXX    XXXX   payment ) which was withdrawn on  XXXX   XXXX    XXXX  , instead of  XXXX   XXXX ,   XXXX   as stated in the above response from  Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold a saddle on ebay which was received by the consumer  X/XX/2017   . The funds were received by  XXXX  approximately on  X/XX/2017   . The amount was  XXXX . It appears some fee has been reduced from the funds as now it has been reduced to  XXXX . The funds re on hold even though the buyer gave the highest remarks and has the product. Further, the shipping was  XXXX  higher then quoted. They stated I could spend the money on  XXXX  immediately but I would have to wait up to 21 days for funds unless I have  XXXX  or more transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting 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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In my Online Banking there is an ebills section where I get pre-selected electronic bills from approved  merchants.. All of them ha ve a due date, just like any bill would have ... except for  XXXX  ...       XXXX   has established this auto pay without my permission &amp; furthermore, there is not specified date to know when it will be debited to secure fund for that money grab of my account.     There has been  2  separate attempts by BOA/ XXXX  to deduct the owned balance which resulted in Over draft fees, which should have been eliminated the last CFPB complaint agains t BOA..      This is a MAJOR issue of overdraft fees t hat BOA is gaining d ue to unscrupulous practices.

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 2017-05-02 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: NJ

Complaint narrative:
Accounts are not validated and still are being reported

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 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
My wife received a XXXX debit card w/ {$150.00} as a gift during her XXXX XXXX XX/XX/XXXX. We never got around to using it until i opened the card XX/XX/XXXX. Upon opening the card and setting the card for activation, i learned that in addition to {$6.00} in dormancy fees, another {$130.00} in unauthorized debits were made to the card. I followed the dispute resolution instructions, received a new card, and now i receive no info as to the status of reinstating the embezzled funds. The phone number i am referred to for follow-up inquiries instructs one to leave messages for a call back. 4 times i have done so without response. Moreover, i have once waited 2 hours and 37 minutes for a live operator only for the call to be disconnected.

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC
State: NC

Complaint narrative:
XXXX / XXXX / XXXX  contacted the company regarding hyperinflation of debt. Collector states amount owed is  XXXX  and additional fees ( undisclosed as to where or what these fees are  XXXX   XXXX . When I asked why the balance so much higher than what I had previously been billed. They lied and stated I did not properly cancel my account. I informed them I have proof and that I spoke with a representative at  XXXX   XXXX  by the name of  XXXX   XXXX . The collection representative refused to listen to my concerns, would not allow me to defend my debt nor offer me solutions to obtain data to correct the amount. She constantly spoke over me in a rude tone and belittled me if not chastised me for having an account in collections. The last statement I received on  XXXX / XXXX / XXXX  via email notified me of outstanding balance due to  XXXX   XXXX  in the amount of {$100.00}. I feel that this was a method to fraudulently obtain additional funds from me through coercion

Company response to consumer: Closed with explanation