vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: WI

Complaint narrative:
I am a student loan borrower having troubles dealing with my lender. I initially received Stafford Loans after the year XXXX with the intention of joining the PSLF program and entering medical school. After completing four years of XXXX  school at XXXX University in XXXX AZ, I moved to XXXX to start residency training at Advocate XXXX XXXX XXXX. In XXXX, I consolidated my Direct ( i.e. Stafford ) loans and submitted my first application for IDR plan. In XX/XX/XXXX, I started repaying my loans after a short grace period. Each year, I re certified for IDR plans. And each year, I paid monthly, even if the amount was XXXX dollars, based on previously tax year returns. In XXXX, I realized my former application for the PSLF program never went through. Not to fear, the PSLF program was retroactive. I successfully applied for PSLF in fall XXXX and transferred my loans to XXXX in XX/XX/XXXX. Both my previous employer and current employer were qualified under the PSLF program. Each month following, I checked in with FedLoan Servicing to check on number of qualifying payments. Initially, I was told it could take up to 90 business days. Ninety business days came and went. I was later told, the process was taking longer than expected. In XX/XX/XXXX, I escalated my complaints to a FedLoan Servicing Borrower Advocate. I was assured that there was nothing I could do to expedite the counting and that I should continue to wait. I was never given a count on number of qualifying payments. Unbeknownst to me, they considered my complaint an " appeal ''. The following months, I was told that my application was in process, but no definitive count was given. On XX/XX/XXXX, I talked with a Advocate # XXXX. He told me that the appeal process can take up to a year. He also informed me that he would produce an email to expedite the appeal process. He finally told me that I had 8 qualifying payments under PSLF, the first count anyone has given me in 1 year! Stunned, I did not know how to proceed. He told me XXXX would notify me with a letter once the count was finalized. By my records and calculations, I have over 50 qualifying payments towards PSLF. I am getting frustrated calling each month and talking with a different representative, only to be given the run-around and no definitive answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a targeted offer for opening a Citi Priority checking account with a bonus of 50,000 XXXX XXXX miles after completing certain requirements. I met the requirements months ago but the miles have not posted to my account. According to their support team, my XXXX XXXX number was missing and that is the reason for the miles not posting. Over a month ago I contacted them with my XXXX   number and was told the miles would post in 7 days. That didn't happen so I contacted them again, and again I got the same response. I am tired of wasting my time with Citi representatives and would like the CFPB to step in.

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 2018-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I submitted payments of {$800.00} dollars to Credit Acceptance Corp in regards to a loan I aquired on a used car. The monthly car note is that of {$520.00}, and I made the initial {$800.00} payments as a safety net for if I came upon financial hard times. As of XX/XX/XXXX, I have been unable to make the {$520.00} payment, so I contacted Credit Acceptance and asked that the initial over payments of {$800.00} be applied to the car note currently due, and I was informed by Credit Acceptance that those initial {$800.00} payments were deffered back to the account from which the came. Credit Acceptance Corp has not provided me with any proof that those payments were deffered however, and are currently charging me late fees that have succeeded my monthly car note, placing me further in debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; 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 non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: NY

Complaint narrative:
Thank you for taking the time to review this comment. 

My name is XXXX and I am writing a correspondence to make a formal complaint against Financial Asset Management Systems. I have been called 3 times daily on a consistent basis. On the occasions I have answered the calls I was immediately asked to verify my social and full name.

I simply responded " Before I give away my personal information I would like a formal letter in the name verifying your business and the debt to be collected. '' I was then transferred to a manager who said they had sent me a letter. I have yet to receive a single peace of paper correspondence from Financial Asset Management Systems. 

These practices are not only unprofessional, but a clear violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am disputing this account reported by Capio Partners for the second time and request assistance from the CFPB in making my third attempt. I communicated to the collection agent in writing ( see attached copy of letter ) and their client XXXX XXXX XXXX by telephone that I have no knowledge of any service and why this account is reporting on my credit reports. I spoke to a hospital clerk by telephone and informed them that this account may have been paid by mistake. I explained that I pay my debts as I receive them and it may have been paid which is a mistake because it was one of the accounts reporting on my credit that was opened without my consent. I did not open this account and have not received any service from this hospital. This account was opened fraudulently using my lost/stolen identification and I have requested previously for the client to provide me with validation of this account bearing my signature giving my consent to enter this contract and information of the instrument used to identify the person who requested your service. I would also like to know why this same account with the balance of {$75.00} that was disputed and removed from the ( 3 ) CRA by Capio Partners XX/XX/2018 was reopened on my files on XX/XX/2018 this account is not reporting this account on my credit files in compliance of the FDCPA ( see confirmation of XXXX XXXX deletion ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
A bank of America account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I was contacted about a balance I owed on this account and paid it. I tried opening a checking account in XX/XX/XXXX and was denied due to being in XXXX XXXX. I again contacted BOA and informed them that I paid it, I even sent records. I also had a transcript from XXXX XXXX requested and they are listed. In XX/XX/XXXX, I am still being denied a checking account due to this issue. 1 it has been paid, years ago and not updated. 2. It has been over 5 years and this definitely should have been removed by now. This is the second report I requested from XXXX XXXX and they both have 2 different report dates listed.

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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo Secured Credit Card that was secured by funds provided by me. About 5 months ago I started going through a financial hardship and Wells Fargo closed my account, added excessive fees, and now they've sent the account into collections for over {$150.00} -- of which are all fees. This had adversely affected my credit profile and I was never offered the opportunity to make a payment arrangement or restructure that debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
This is a situation that was never resolve in my first complaint I had filed in XXXX XXXX. I did not realize that Green tree had filed theirs ' answer to my complaint at that time, until I received a new pass word to my old account number. The thing is Green tree did not stated the truth in their answer in XXXX. When they stated that I did not notify them to cancel a {$6000.00} policy that they had purchase from XXXX until XX/XX/XXXX that was not true. I had gave them a notice on XX/XX/XXXX it is when I gave them notice to pay XXXX who was going to be my new insurance provider for my home and they had received the information on XXXX XXXX from my insurance agent. The reason why I'm stating this because they had 15 days to cancel XXXX policy or not renew that policy, but they did on XX/XX/XXXX as they claim anyway. I was sent that {$6000.00} by XXXX instead of Green tree ending that policy, under regulation CFR 1024.37 ( g ) ( 1 ) Green tree should have cancel that policy and place those funds back into my escrow account. Now they should return all the over collected escrow funds they had already collected which is about {$4300.00} or come to some type of resolution to this problem. They had place my name into the credit report agency for not paying my mortgage which is not true, because I've been paying {$1400.00} each month since XXXX XXXX which is more then what I should pay that is {$1400.00}. I had submitted some new document into records with CFPB on XXXX XXXX under my old account number XXXX, for CFPB to look over in this matter. Ditech had been trying to get me to make a payment on what they was claiming, but under CFR 1024.17 ( f ) ( ii ) if I would had paid on their claim, I will be agreeing to their claim, that I had not made my mortgage payments and it would have given them the rights to keep those over collected escrow funds under that regulation. There must be a resolution to this situation at hand and not for it to stay as is with out a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX Credit reports to verify the information they are reporting. Trans Union responded in writing indicating the following accounts are not on my Trans Union Account and not being reported. XXXX has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to  deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; 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 2018-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. XXXX has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Relief Center
State: AR

Complaint narrative:
Received letter stating " Important second notice '' offering to settle {$16000.00} for {$8000.00} at {$240.00} per month for 36 months. Call XXXX to accept this offer. I have no such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
JH Portfolio is reporting a debt after I have submitted my identity theft report and formal statement/dispute. I have taken the steps to correct this matter but have had no success with this collection agency. This is a violation of the FDCPA and FCRA. Ive been very patient and is now past upset that they continue to cause me damages for something I did not do. I don't know who used my information but I want this matter corrected ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo utilizes information from XXXX XXXX XXXX  to make decisions about consumers. This information in this database continues to negatively impact and impedes my efforts to feel whole. I have provided the bank as well as the XXXX XXXX with the police report, the judgement of enforcement order against my ex-husband extrapolating his erroneous report of frauds as well as the divorce decree.

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 2018-09-21 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts. 
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: TN

Complaint narrative:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, Experian, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

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 2018-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED MORTGAGE CORP
State: FL

Complaint narrative:
We had a hurricane in 2017 and our mortgage company agreed to defer Two months payments to the end of our loan. They are now requesting the two months mortgage! This was not the agreement! The two months was supposed to be added to the end of our loan! No supervisor will call me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: SC

Complaint narrative:
I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.

Company response to consumer: Closed with explanation