vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum
State: OH

Complaint narrative:
I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Upon leaving XXXX XXXX, I was initially unable to consolidate my loans due to not graduating. I was in deferment because I was a student but applied to a program in XX/XX/2008 to get reduced payments by submitting three consecutive payments. I was denied this reduction because I was still a student. My interest has taken a XXXX dollar loan to over 200,000. I have tried to negotiate payments and offered buy outs. I was unable to afford their monthly as well as buy out offers and now they have resorted in selling my loan to a collection agency to avoid their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
XXXX report me to owe {$850.00} for Medical services on XX/XX/2016. 
I paid them by check the remainded balance for copayment. 
Now they send me into Collection Agency ( Central Financial Contro ). 
I demand an investigation in this matter because the omongus amount that they try to collect from me when I fullfiil my copayment out of my medical insuren ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. 

I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. 

PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. 

PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. 

PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. 

PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. 

On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. 

I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX : XXXX XXXX XXXX, XXXX Account # XXXX I sent a register letter to XXXX XXXX XXXX, XXXX requesting validation of debt for their account # XXXX on XXXX/XXXX/XXXX. 
They failed to provide the information I requested. Instead, sent letter dated XXXX XXXX, XXXX requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''. They also stated that they would write to me again in XXXX in regards to my dispute. 
After not hearing from them, a second registered letter on XXXX XXXX, XXXX requesting " validation ''. Again they failed to provide the information that I had requested. Instead the sent letter dated XXXX XXXX, XXXX requesting that I provide them with " specific information that you are disputing and an explanation of the basis of your request ''. 
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
After being advised of a large debt on my credit report on XXXX/XXXX/XXXX, I contacted Capital One on XXXX/XXXX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact XXXX ( the collection agency ) which C1 supplied the phone number to me. I asked C1 to send me a copy of my back statements so I could find out what happened & when. As of this date ( XXXX/XXXX/XXXX ), I still have never received anything from Capital One. I then contacted XXXX on XXXX/XXXX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XXXX/XXXX/XXXX ). Since then I was getting a call a day from XXXX occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XXXX/XXXX/XXXX, I received an envelope from XXXX postmarked XXXX/XXXX/XXXX with copies of my statements for the past year, and a letter from them dated XXXX/XXXX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with Capital One has been going on since XXXX XXXX. I do not look at statements every month and knowing my other Capital One accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from Capital One advising there was a problem with this account. Every month, C1 has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at XXXX, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original C1 account number had been compromised. C1 issued a new card with a new number. 

I received 2 from calls XXXX last week, 2 more calls on XXXX/XXXX/XXXX and another one last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XX/XX/XXXX before my husband death had refinanced without me signing the note or the mortgage. In XX/XX/XXXX JP Morgan Chase foreclosed on my home. I paid about 75-80 % of the loan when JP Morgan said I defaulted on the loan. Doing a sheriffs sale JP Morgan was the only bidder and bought the note, and added court and other fees to the amount owed. I did not receive any money from the equity I paid in my home. The judge XXXX from the district court of XXXX county in XXXX Kansas. I believe XXXX colluded with JP Morgan Chase to steal the equity in my home, and give me nothing. XXXX stated in a motion that there was a conformation of sale and that all parties were satisfied. There never was a conformation of sale and then JP Morgan Chase assigned my title to XXXX, and the XXXX to filed eviction notice, and gave me 6 days to move out. While out of my home I got a motion in the mail of relief of stay. I had filed bankruptcy in XX/XX/XXXX, and XXXX filed the motion to ask the federal bankruptcy court to allow them to immediate evict me from my home, to sale, and depose all my furnishing. 
I believe JP Morgan Chase fraudulently used my signature from the first loan my husband and I signed when we first bought the this home. I believe JP Morgan Chase did not own the mortgage to my home, and I believe JP Morgan Chase committed racketeering, fraud, and stole the equity in my home. I am currently waiting eviction again. I want JP Morgan Chase investigated. Bankruptcy case Number XXXX, and Foreclosure case number XXXX both court are in XXXX Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
RE Capital One 's Account XXXX : The complainant is a subscriber to monthly credit report monitoring. Recently, XXXX entries from Capital One appeared out of the blue on my credit report. 
These entries have been extremely damaging and have had a negative impact on my credit score and to my ability to obtain financing. 
Several written inquiries to the respondent have been issued including by counsel, and they have refused and continue to refuse to withdraw the derogatory information. 
I wholeheartedly dispute their entries ; I was a victim of identity theft, the respondent has not verified the account, and furthermore the entry on my credit report by them is beyond the legal each the statue of limitations : ' '' Account Last active in 2009 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Accidentally uploaded the same check twice after being heavily medicated. All accounts where closed because the same check was uploaded. Shallow investigation done. Been a member since XX/XX/XXXX or XX/XX/XXXX. Never had this issue. Was not given an opportunity to provide any information or documentation regarding what happen. Was n't informed the account was closed until after I called and then I received information in the mail. Waited over 90 days to get the funds that were held.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to get my credit report and they did n't allow me to because I guess information was different then mine.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
checked my credit report and saw a negative reporting by Wells Fargo. Called them. Spoke with XXXX XXXX who explained he did not see any late payments. I am currently trying to buy a home and ca n't get financing because of this.

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 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir, I had a credit card with Wells Fargo back ending in XXXX which I launched a complaint earlier as well whereas the card was stolen but there was a transaction which I disputed and Wells Fargo got the money back from the merchant but never posted it back to my account and which is effecting my credit in a bad way as the aforesaid card has been over limits for a long period now and which is highly unethical on the financial institution 's part to withhold my personal money to themselves to their personal gain. The amount was approximately {$4200.00} and merchant was XXXX. I shall appreciate intervention and the aforesaid amount to post back and the rest of the disputed amounts to post back on my account which have been collected by the bank on my behalf as this is my hard earned and valuable money and time which I take out to build 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 monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number # XXXX No contract or no signature

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.

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 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE FIND ATTACHED THE DOCUMENTS AND THE DISPUTE LETTER INORDER TO FOLLOWUP ON THE A DELINQUENCY / NEGATIVE ITEM ON MY CREDIT FILE, ON MY XXXX ACCOUNT NUMBER XXXX, I WAS NEVER LATE AND THE ERROR HAPPENED ITS EITHER A BANKING ERROR OR CREDITORS FAULT. I HAVE DISPUTED XXXX ND XXXX, THEY BOTH HAVE REMOVED THIS ACCOUNT. 
BUT EXPERIAN IS NOT RESPONDING TO MY DISPUTES AND LETTERS, PLEASE HELP ME BY RESOLVING THIS ACCOUNT .POLICE REPORT ALSO ATTACHED. 
THANK YOU

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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.

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