vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CO

Complaint narrative:
XX/XX/2018 Purchase for a XX/XX/2014 XXXX. Two checks post dated of which one check was honored and the other checked cancelled. The loan is now in default due to the cancelled check. Let XXXX XXXX know and they said no problem. Westlake Financial Services was assigned to the the loan in a separate letter attached to the contract. It states, '' Your contract has been assigned to Westlake Financial Services. During the next week, XXXX will contact you regarding your automobile purchase. Please make sure that you are available for this phone interview, which is required for the financing of your new vihicle. '' The interview never took place upon waiting for 3 weeks. The vehicle was taken back to the dealer on XX/XX/2018. The dealer said that could not be done, hence the keys and the car was left on their lot. What financial company buys defaulted contracts unless they are one and the same? Let XXXX be aware of the situation and they kept putting me on hold as they would contact the dealership. No resolution.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In reference to loan number XXXX through Freedom Mortgage for XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I accidentally paid my property tax out of pocket when I was sent a bill for it in XX/XX/2018.  This is normally covered by my mortgage company as a part of my escrow account and monthly payment. I informed Freedom Mortgage of the mistake and was told I would be refunded the full amount of {$1500.00} when the escrow was analyzed in XX/XX/XXXX. This is shown on page two of the attached statement, listed under " checks and substitute checks. '' It was check number XXXX, paid in the amount of {$1500.00} on XX/XX/18. 

I called again XX/XX/XXXX after not receiving a check in XX/XX/XXXX and was told there was no record of my original conversation and that I needed to submit a bank statement to prove I paid the amount out of pocket. I did this promptly to their customer service email, as instructed and did not receive a response other than an automated " receipt of email. '' it is attached below. 

I called again 10 days later to inquire as to the receipt of the email and was told I never needed to submit a bank statement and that they would begin an escrow analysis. 

I received a check in the sum of XXXX $ on XX/XX/XXXX. This sum is still deficient {$490.00} from the initial payment I made on my property tax in XX/XX/XXXX. 


I would like to be refunded this amount, as I was promised in XX/XX/XXXX of this year.

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 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Sequim Asset Solutions just started reporting a {$920.00} collection on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. I have since called this collection agency and requested a verification of debt, but they refuse to supply it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: SC

Complaint narrative:
In XXXX I received a FFEL Consolidated Loan through ACS and paid on that loan until XXXX. From XXXX through the present, I have worked as a public service employee. I was led to believe by ACS that my qualifying payments from XXXX onwards would be eligible for the Public Service Loan Forgiveness Program ( PLSF ). As a result, I believed that I had earned approximately 4 years ( loans were on forbearance at times ) worth of qualifying service towards PSLF. ACS NEVER informed me that my loan needed to be converted into a Direct Consolidated Loan. It wasn't until XXXX, when the government released their forms and clarified the requirements, that I learned that the FFEL consolidated loan that I had been paying on did not qualify. As a result, I applied and received a Direct Consolidation Loan. Like so many of the student loan borrowers, who were mislead about the program, I had to begin all over with repayments. Four years of service disqualified and four years of unnecessary payments all because ACS failed to inform their clients of necessary information!!! This is not fair to all of us past students who relied upon this loan servicer ( as well as others ) and are now having to continue with the burden of paying off our debt much longer than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a {$920.00} payment online to cover payments for principal and interest on Loan Nos.3, 4, 6, 10, 12, 13, and 14. I also tried to pay-off Loan No. 8 but could not figure out how to make that payment so it would pay-off the loan, so I called XXXX  XXXX XXXX. I spoke with XXXX at XXXX  XXXX XXXX and told him I wanted to pay-off Loan No. 8. He told me the call was recorded, the pay-off balance was {$970.00}, took my checking account information, and said he made a payment for {$970.00} on Loan No. 8 that would pay-off the loan. 

On XX/XX/XXXX, I checked my XXXX XXXX XXXX   account, and the {$970.00} payment had not been applied to pay-off Loan No. 8 but instead was applied in various amounts to pay the principal and interest on Loan Nos. 3, 4, 6, 8, 10, 12, 13, and 14. I called XXXX  XXXX XXXX and spoke with XXXX ( Employee No. XXXX ) and told her I wanted the {$970.00} payment to be reversed because it was supposed to be applied to Loan No. 8 to pay it off but instead had been applied to the principal and interest on all the loans. I also explained the {$920.00} payment that I made online to cover the principal and interest on Loan Nos. 3, 4, 6, 10, 12, 13, and 14 also needed to be reversed because that payment was only applied to principal and not interest ( XXXX XXXX XXXX applied the {$970.00} payment first, so it covered the principal and interest on the loans. Thus, when the {$920.00} payment was made, it only covered the principal on the loans. ) I told XXXX I wanted to make sure that when XXXX  XXXX XXXX reversed the {$920.00} payment it applied the payment to pay the interest that was due on XX/XX/XXXX and not the interest that was due as of the day the adjustment was made. I said it would be very easy to figure out because the {$970.00} payment covered the interest as of XX/XX/XXXX, so the amount should be the same when the adjustment is made for the {$920.00} to cover the principal and interest as of XX/XX/XXXX. 

XXXX said she would put in a request for the adjustments to be made, and it would take up to 5 to 7 business days for the adjustments to be made. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX to make sure these adjustments were in progress. The representative I spoke with told me that notes were in the system to make the adjustment, but it could take up to 30 days for the unless the representative put in a special request to expedite the adjustments. The representative explained there was no way to determine if the expedited request was made because that request would be made by email and was not notated in the system. She said she would send an email to financial management to have this adjustment expedited and would notate this in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX reported my account late wrongfully on XXXX. They removed it and put it on XXXX then removed it and now they put it on XXXX. Every time they say they will fix the problem they then add it to a different credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Bill was sent to Mom in XXXX. It was an XXXX bill pertaining to a XXXX appt. for my Dad, who died in early XXXX. I called XXXX to see what action should be taken as my Mom doesn't have the money to pay this bill, and it was my father 's bill. They said my mother had to pay the bill. No payment plan was available. Apparently, XXXX then changed the address to my Mother 's name to send more bills. 
I took the bill and paid it XXXX XXXX. This week Mom got another bill from XXXX 's collection agency, Alliance Collection Agencies , Inc. of XXXX WI. 
This bill/letter is mostly in " bold '' print and threatening debt collection judgement against my XXXX year old Mom, and the bill was already paid! I called XXXX and they said they had recieved the check in XXXX, but it was sitting in an " ink '' account and did not get processed. 
What is an " ink '' account? And why would they not process the check and send it to a collection agency, even though they have their money? This is a bad practice!

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 2018-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: WA

Complaint narrative:
I have spoken to this debt collection company and advised them this account is disputed and even provided my correct mailing address. I have never received any documentation from them, They had an incorrect address for me, somewhere I lived years ago. I was told this is a payday loan that was taken out online but they have not provided me any documentation to validate there claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Seed Consulting, LLC
State: VA

Complaint narrative:
Seed Consulting LLC. ( known as XXXX XXXX ) partners ( works ) with a crook Company named XXXX XXXX XXXX. and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me.

A year ago I trusted XXXX company and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX XXXX programs and in return charge/gain almost {$4000.00} in commission.

As a result of their partnership, I am under {$60000.00} of debt in credit cards that I am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months.

At the moment, there is a legal case taking place against XXXX XXXX in a federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it.

( XXXX  ) XXXX XXXX was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission.

To me XXXX XXXX is as predatory as XXXX XXXX, Because without XXXX XXXX, XXXX XXXX   would have been powerless and would not be able to prey on innocent people who believed in them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IL

Complaint narrative:
On or about XX/XX/2018, I received a final bill from XXXX XXXX XXXX in the amount of {$34.00}. On Monday, XX/XX/2018 I paid the balance in full via XXXX XXXX XXXX website ( Confirmation # XXXX ). On XX/XX/2018, I received a letter form Penn Credit Corporation ( XXXX XXXX XXXX, XXXX, PA XXXX ). I called Penn Credit on XX/XX/2018 to advise them that this had been paid within 2 days of receiving the final bill from XXXX XXXX XXXX as well as the total paid and confirmation number. The girl who answered the phone was extremely rude, raising her voice, and advised me that there was no report of the payment, that I needed to pay them directly. I advised her that I received the letter from Penn after I got the statement from XXXX XXXX XXXX and I already paid them. I advised her that I wanted a statement from Penn once they received my payment from XXXX XXXX XXXX stating that my account had been paid and was now closed. She advised me repeatedly that unless I pay them, they can't send me such letter. I told her again that I paid XXXX XXXX XXXX, I was not going to pay them, and that I wanted something stating this was closed once they got confirmation of my payment. She told me again that they don't do that nor did they need to do that. I told her that I have worked in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 14 years, and yes, I can get a copy of that. She began raising her voice even more stating that they don't do that. I advised her that I was just going to file a report. 
The fact that this bill was paid BEFORE I got a notice from Penn, I shouldn't have to, nor will I, pay Penn on top of paying XXXX XXXX XXXX which was less than 30 days since my water was shut off- and paid 2 days after receiving notice from them. I want confirmation from Penn that this account was paid ( once they receive the payment ) and the account is closed. I do not want this on my credit report, as it again has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
on XX/XX/2018 i noticed a garneshment in my pay in the amount of {$120.00}. 
I called hr and was given the phone number to a law office of XXXX, XXXX, XXXX, XXXX XXXX   XXXX i was told this was a collection of debt for a credit card from XXXX. 
when i told the associate that that debt had been closed more than 15 tears ago, i was told that it had already been before a judge and that there was nothing i could do other than pay the full amount owed. when i inquired what that amount was i was told {$1300.00} plus {$2700.00} in interest and {$120.00} in filing fees for the total of {$4400.00}. i asked how this had already been before a judge when i was never notified of any actions and the fact that this debt was settled over 15 years ago, and that XXXX is no longer in business. she just repeated its already been before a judge there is nothing you can do .since that time the amount taken from my pay has increased and at times been as much as almost {$400.00}. I recently purchased a home and this is causing my a great deal of financial strain. not to mention it has shown on my credit. i pay all my bills on time I have never even gad a late payment on any on my creditors what ever happened to due process? I drove to the court house and asked for copies of all documentation and that is attached. you are welcome to look into XXXX XXXX as I did and well you will see that they are doing this to thousands of people.please help. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold a XXXX XXXX XXXX XXXX ( missing crown ) on XXXX XXXX, on XXXX and the payment was made through PayPal for {$400.00}, the watch it was delivered to the buyer but the buyer it was not satisfied with the purchase so he Ofer {$200.00} for the watch, I did not accept and asked the buyer to return the watch for a full refund he went and open a case with XXXX, and PayPal put a hold on my account for {$400.00},., but the buyer never return the watch the buyer return a enty envelope then I contact XXXX and XXXX resolve the case in my favor ( seller ) Then the buyer Open a case with PayPal.,  PayPal request the buyer to send the watch back and this time the buyer sent a damage XXXX XXXX ( wrong watch ) and PayPal resolute on favor of the buyer., then I contact PayPal and the FBI internet crime Unit and I sent all documents and pictures., as of today XX/XX/XXXX I am with out watch, money my account on hold plus I have to pay PayPal {$400.00} please Investigate and help me resolve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20 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: MA

Complaint narrative:
I sent this complain to XXXX XXXX at XXXX XXXX XXXX and I was referred to you. 

Back on XX/XX/2018 I sent an electronic final payment of {$3000.00} to Navient via my bank 's bill pay option. When adding this payer to my bill pay, I added it as Navient, and the company was automatically recognized by the bank so I did not have to manually add the address.That is where the nightmare began. 

I checked my account about a week later, just to see my balance had not changed, and I had a payment due. I made the payment and just figured with the XXXX XXXX holiday maybe it would take a little longer to clear. Unbeknownst to me, the address that was added was The Education of Navient, and not Navient. I called Navient and explained my concern and was told by a Education of Navient representative on XX/XX/2018 that they are aware of misdirected check and the funds have been reissued to my bank, and it should take 5-7 days.

After another week, the funds were still not returned. I called back again and by chance talked to the same person and he apologized for misinforming me and that the process would take 4-6 weeks. Although I was not happy with the news, there was not much I could do, other than to continue to wait. After multiple calls after the 6 weeks had past I was then informed that the check went from the Education of Navient to the Treasury Department. The Treasury Department cashed the check, and The Treasury Department will be issuing another check to the bank. 
I have spoke to and visited my bank and they are also on the look-out for the funds. There is nothing the bank can do because it was a electronic check. In the meantime, I have sent 2 more checks to Navient, directly to their site to get this loan paid off.

It has been 12 weeks now and I do not have the {$3000.00} that was sent electronically to the wrong address and continue to wait.I would greatly appreciate any help that you could offer. I have all the supporting documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I settled my account in full with Diversified Consultant Inc. I was advised of receiving my paid in full letter within the next 2 business days and that it would be removed from my credit. I took precaution to file a dispute of my own thru XXXX. I tried reaching out to Diversified Consultant Inc. several times regarding my concerns, but the consultant just keep giving me the same answer that they are working on it. Fast forward to today, I made another attempt to resolve the issue. The consultant, XXXX, stated to me that he is still working on getting my paid in full letter and that they do not remove items from the credit bureau. I asked XXXX that many creditors have done so in the past and Diversified Consultant has done it before based upon their previous client 's reviews. XXXX just simply stated that they do not do it and disconnected on me without true reasoning. I am contacting the Consumer Financial Protection Bureau to investigate the unfair, improper treatment of their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I requested additional information from Suntrust Bank in reference to an account that is reporting on my credit file. The account number is ending in XXXX. I requested the full payment history and how fees and so forth were applied. They only sent me a letter that said the information was accurate. They sent no proof they only sent a form letter.

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