vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has added fraud debt to my Credit reporting agency. This information is fraud and have not been validated. I have disputed this debt with XXXX XXXX and got no signed credit agreement showing my signature that I agreed to this debt. Midland has not sent me the signed credit agreement with my signature that I requested and by law when a account is in dispute no negative information is allowed to be on the consumer credit report. This debt was removed a while ago and no it has mysteriously ended back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The Orange Coast Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we closed escrow on our property refinance. As of XX/XX/XXXX our pre paid property tax remains unpaid. 

XXXX of XXXX XXXX XXXX contacted me on XX/XX/XXXX to inform us the XXXX County tax payment of {$1100.00} was returned to their office because it was short. It was during this call I explained that XXXX was being paid off with the closing funds and that the amount the County was requesting is wrong. You insisted we were responsible for paying the difference regardless because that was the amount the County was asking for. Reluctantly, I paid the difference of {$1300.00} on XX/XX/XXXX. 

I contacted XXXX on XX/XX/XXXX to inform them I received a corrected tax statement and needed direction from them on whether we he was going to contact XXXX County to obtain clarification. Per our phone conversation this morning, the County has confirmed the over payment however since they are still processing all the payments they received, they could not provide you with an estimate of when a refund would be issued to your company. I expect your company to honor the disbursements of funds set fourth in the closing statement, issue a check to XXXX County for {$1200.00} and call me within 2 business days to schedule a time to pick up the refund check due to me in the amount of {$1200.00}. 

We have paid the tax bill twice 1 ) during initial closing 2 ) on XX/XX/XXXX. They are now insisting we make a third payment of {$1200.00} to pay the corrected statement. 

I received the following response : " Hello XXXX, I understand your frustration and our apologies for your inconvenience. I spoke with XXXX at the tax collectors office 3 times today trying to get a better idea to resolve this issue. We reached out to you on XX/XX/XXXX only due to a letter ( attached ) we received from the tax collectors office that the amount sent was incorrect. We only learned about the cancelled tax bill last week when you called our office. Per XXXX suggestion, he stated that we check back with him mid-XX/XX/XXXX as they do not have control over when their office can send back the check we sent them. I suggested that we stop pay the check they are holding and issue the correct amount but he stated that the check may get processed and well incur a fee if they process it. We will stay on top of this and check with the tax collectors office on a weekly bases with the check status. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens one sent me a letter in respect of non-payment of the " Property Taxes. '' Not only I do not have a tax dues rather no bill even sent in yet ( according to the city office. ) This can be confirmed by calling to XXXX XXXX XXXX @ XXXX. The person I spoke to in the city office is XXXX. 

The main complaint I have against Citizens one is there non-existent customer service and wasting customer 's valuable time. The contact phone # : XXXX provided in the aforementioned letter never connects to any one in their Real Estate Tax office. It just disconnects after going through all the menu options. It 's to mention that the same complaint in writing was made to Citizens One previously, and I was promised that this problem will be rectified. It appears nothing had been done other than constant harassment of the customer. I can be reached as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX Fac : XXXX E-mail : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I KEPT RECEIVING LETTERS FROM THIS COMPANY BY POSTAL MAIL.,, IN THE SUMMER MONTHS AN INTO THE FALL .. SO IN XXXX I HAD A REALLY BAD BASEMENT ISSUE WITH FLOODING AN NEEDED SOME CASH TO FIX THE PROBLEM .. SO I KEPT GETTING LETTER SAYING I WAS PRE -APPROVED FOR XXXX SO I APPLIED ON LINE THEN SOME ONE CALLED ME IN READING THE TERMS I FOUND THAT I ONLY BORROWED XXXX BUT AFTER THE MONEY WAS DEPOSITED INTO MY BANK ACCOUNT I PRINTED OUT ALL THE LOAN INFORMATION AN FOUND THAT THEY WANT ME TO PAY XXXX A MONTH UNTIL XXXX XXXX SO I PAID THE FIRST XXXX IN XXXX XXXX XXXX SO I LOOKED I SAW THEY WANTED THIS AMOUNT EVERY MONTH UNTIL XXXX XXXX SO IN XXXX I CALLED THEM TO ASK COULD I LOWER MY PAYMENT I AM XXXX AN XXXX AN I WANTED TO STOP THE AUTO PAYMENT AN THAT I WAS ON A FIXED INCOME AN HAD NO IDEA I WOULD BE PAYING BACK XXXX AN I I GOT WAS XXXX SO I TRIED TO GET THE PAYMENT DATE CHANGED AN PAYMENTS LOWERED I JUST SENT THEM XXXX AN THEY CHARGED MY BANK A INTERNATIONAL FEE OF XXXX FOR PAYING MY BILL NEVER TOLD ME THAT I WAS OVER DRAFTED WITH MY BANK SO I TOLD THEM I WAS FILING A COMPLAINT WITH ALL THE AGENCIES IN MICHIGAN IN MY STATE THIS IS CRIMINAL,. WHEN I ONLY GOT XXXX AN WAS PREPARE TO PAY 3 OR 4 PAYMENTS OF THE XXXX TO GIVE THEM BACK THERE XXXX THEY TOLD ME I COULD NOT GET THE PAYMENT LOWERED I WOULD HAVE TO PAY THE WHOLE LOAN BACK OF XXXX WHEN I ONLY GOT XXXX OR I HAVE TO PAY UNTIL XXXX XXXX XXXX THIS IS CRIMINAL AN UNFAIR LEADING PRACTICES AN THEY DONT TELL U THE ARE NOT IN THIS COUNTRY, ,THEY ARE CHARGING U ANOTHER FEE JUST TO PAY UR BILL WITH THEM.. A INTERNATIONAL FEE..OVER XXXX I WAS CHARGE THE XXXX I PAID THEM AN A INTERNATIONAL FEE OF XXXX .. I HAD NO IDEA THIS WAS A PREDATORY XXXX COMPANY I WAS REALLY IN NEED OF A HOME REPAIR AN I HAD NO IDEA THIS WOULD BE HAPPENING TO ME I CAN NOT AFFORD XXXX A MONTH FOR 12 MONTHS,, AN PAYING XXXX FOR XXXX I THOUGHT THREE PAYMENTS OF XXXX WOULD HAVE BEEN MORE THAN ENOUGH TO PAY THEM BACK AFTER I PAID THE XXXX ON XXXX I TRIED TALKING TO A SUPERVISOR AN TRIED TO MAKE OTHER PAYMENT ARRANGEMENTS THEY TOLD ME NO.. SO I AM FILING COMPLAINT WITH BBB CONSUMER AFFAIRS AN THE ATTORNEY GENERAL OFFICE AN THE LICENSE AN REGULATION BUREAU IN MY STATE,, I CAN NOT PAY MY OTHER BILLS FOR TRYING TO PAY BACK A XXXX LOAN OVER XXXX FOR 12 MONTHS THANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I keep getting calls while at work ( Ca n't have my phone on me ) but every time I try to call they do n't answer nor listen to my voice message that provides my call back information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.

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 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, XXXX my husband and I purchased a home together in XXXX XXXX PA. Our mortgage holder at that time was XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX The purchase amount of our home was {$220000.00}. On XXXX XXXX, XXXX, our mortgage was sold to M & T Bank. 
M & T Bank XXXX XXXX XXXX XXXX, MD XXXX XXXX When our home was sold, we were notified via postal mail. However, since then, we have had numerous financial difficulties, have been entered into a loan modification program, and just recently while getting together all necessary paperwork, I have noticed that when M & T Bank took over our loan, they have instituted our loan for the maximum amount of {$220000.00}. Upon our ending and closure with XXXX XXXX, we owed {$220000.00}. We made 7 payments to them in the amount of {$1700.00}. These payments were not applied to our transfer to M & T Bank and I feel that this is wrong and not legal. I have contacted a legal representative and they also stated that I should contact you and seek assistance. I am seeking reimbursement for the 7 payments that were not applied to my account with M & T Bank. Should you have any questions please contact me. 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 explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made two transfers to my Coinbase account on the XXXX of XXXX. The first one for XXXX ( XXXX GMT ) and the second one two hours later for XXXX. The second one was credited on my account within a couple of hours, the first one has still not been credited. I have sent them about 10 emails regarding the issue with no response at all. These were sent from a XXXX bank account, but were sent as an international ( SEPA ) transfer to their bank in XXXX. I did at one stage see on their main page that they were experiencing some delaying in crediting payments in those days but everything pending would be settled by the XXXX of XXXX - which it clearly has n't. I have no way of getting through to them other than the unanswered emails. Called my bank ( XXXX ) today and they said the money was received - the company is apparently registered in the XXXX. 

Uploaded bank statement shows the two international transfers on the XXXX XXXX number for deposit XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
Consecutive nsf charges that were done by myself

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got the Wells Fargo Cash Wise VISA Platinum card and then used it ... When I went to pay the bill it said nothing due. Then they charged me a XXXX late charge. I just opened the account. When I tried to get someone on the phone I called the XXXX XXXX XXXX. On this line they keep trying to sell you things ... saying I qualify for something free and to click this number. 

I do not click any number and I get another sales of a free trip to somewhere. When I do not click that it says I qualify for {$100.00} .... When I do not click that I get a message to hang up now. 

There is no way around the sales pitches ... I am just trying to pay my bill and I should not have to go through all this sales stuff to accomplish that.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. 
They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. 
They to say they have no records of any payments made. 
The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. 
They have threatened me and harassed me for months with phones calls and letters. 
They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
XXXX currently services my student loans. I am enrolled in the public service loan forgiveness  program and my employment was certified back to XXXX. Twice I have sent letters ( XXXX and XXXX of XXXX ) asking XXXX to review my payments made under this program during the time periods for which they already certified. I sent very clear information to them documenting payments made over the past ten years. The first letter I asked them to certify payments already listed in the XXXX XXXX XXXX XXXX. Unfortunately this database is missing payment information related to over 5 years of payments made under three different loan servicers. I 'm not sure why payments made toon federal loans are missing ( XXXX ) from the database especially since I have always had federal loan servicers such as the XXXX XXXX XXXX XXXX. 

XXXX initially certified 28 payments which were mostly recent payments made after XXXX. Not long after their records changed to indicate that only 26 payments have been approved towards the 120 payments required for PSLF. No reason was given as to why two payments were dropped. I explained in both letters to XXXX  which servicers held my loans and during what years. In my most recent letter of XXXX XXXX I sent bank statements indicating payments that were made for over 50 months during time that they have already certified. This was because the database did n't have any records of payments being made during this time period. 

There has been no response whatsoever since. I have several sent messages on their website asking for why two payments were dropped from their calculations, what months have actually been qualified thus far and the status on the bulk of my payments made since XXXX for which I provided detailed documentation. 

Both my ex wife and I have maintained public service employment for almost 20 years she as a XXXX  and myself with XXXX and XXXX XXXX. Our experiences with the loan servicers has been nothing less than a nightmare for the past ten years. The servicers have no accountability towards the customers when questions are posed or information is sought after. The practice of capitalizing interest is even worse for students. Our original XXXX in student loan debt has turned into XXXX during this time. We 've never been in default and always made our payments except a few times for financial hardship during the great recession. 

We are counting on loan forgiveness and concerned the Department of Education will not follow through on its commitment.. 



In any other financial program this would not be acceptable. 

Please help. 

XXXX

Company response to consumer: Closed with explanation