vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed Debt XXXX XXXX XXXX XXXX reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with XXXX. Disputed it and got a response back that I needed to have the company call XXXX and remove it. Called XXXX and XXXX and they still can not find anything to use to show XXXX to remove. I am being told they need proof for XXXX and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XX/XX/XXXX. I started this onXX/XX/XXXX to have it removed today is XX/XX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at XXXX and will be sending my complaint to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Collusion in over draft payment By Bank of America and FHA loan case # XXXX, XXXX checking plus violation along with United States Treasury checks or direct account, XXXX XXXX XXXX  credit card manipulation and ach transaction, XXXX XXXX over draft collusion and manipulation, XXXX XXXX XXXX bank failure in Federal Truth In lending disclosure act et. al. and illegal securitization of intellectual property rights and more. Including 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 2017-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to reach out to capital one several times. When I first learned there was claims and charges being filed on my account I immediately called Capital one. Except then they decided to close my accounts. My identity was stolen as was my debit card. I am not a risk to the bank and would like this re reviewed as I had no idea at the time of these claims. I only learned after the fact. Now I cant have a checking account at capital one even though it isnt my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: CT

Complaint narrative:
I have been paying off my student loans with Discover on and off for 5 years now since I left school. I 've had to deal with some medical issues which left me with big bills and with some unemployment. I also went back to graduate school for year, but ended up leaving. I 've tried to pay as much as I can every month. They have been charging me more than 10 % interest, even at times when the federal interest rate was 0 %. I 've looked at the chart they have on their website, and most months most of my payment is going to just the interest. When I miss a payment because of financial difficulty, it all gets messed up again and then somehow I end up paying all of my money towards interest for the next few months, until another financial emergency comes up and I miss another payment, and then they do it all over again. I recently realized that, even after five years, the balance left on my loans is still the same or higher than when I first borrowed it. I feel like a slave to this loan company ; like I will be making large monthly payments of {$300.00} or more to them for the rest of my life, because they have me trapped. It does n't feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from my current mortgage company ( Nationstar Mortgage, also known as Mr. Cooper ) that my mortgage will be serviced by XXXX XXXX XXXX   effective XX/XX/XXXX and that they will stop accepting payments on XX/XX/XXXX. This violates the 15-day notification rule 1024.33 ( b ) ( 3 ) ( i ). Also, I received the second letter on XX/XX/XXXX, dated XX/XX/XXXX that my ACH transfer for the month of XXXX will take place around XXXX business days after XXXX/XXXX/XXXX and that my account will not be assessed a late charge fee, but they do not say anything about interest charges that might be assessed by XXXX XXXX if the mortgage payment is processed this late in the month. Also, I logged in to my new XXXX XXXX Mortgage account online, but I do n't have an option to make a payment on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
My credit report shows a collection from IC Systems. I have no business with them. They are not licensed in Nevada.

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 2017-12-07 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX in regards to a care credit credit card ; the company is claiming there is an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX, 2017. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. 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 2017-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
i had an original complaint about the loan stating that XXXX XXXX XXXX, complaint number XXXX. after being in court today, XX/XX/XXXX, i have been told by the attornies that XXXX XXXX XXXX was not the bank that foreclosed. the bank is XXXX XXXX XXXX XXXX, so i would like to open a new complaint against them. they foreclosed on a fraudulent and predatory loan that somehow they acquired. the issues are still the same, terms agreed upon were changed by the home lender, XXXX XXXX XXXX, during the document signing. with the terms changed it made this loan unpayable. the truth in lending act was violated and numerous other violations were done. i have a forensic audit on the loan proving this. the company XXXX XXXX XXXX went bankrupt in XX/XX/XXXX after writing multiple bad loans. i should not have lost my house, it is now up to XXXX XXXX XXXX to correct this miscarriage of justice. i need answers quickly, i can not wait 60 days. the new owner is pushing for eviction. i need all matters involving my house to be reversed by the government. please call me @ XXXX or e-mail me, XXXX this matter is very urgent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: AL

Complaint narrative:
On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
The previous complaint has not been addressed, us bank home mortgage violated the terms of the loan agreement when they paid county taxes in error. This was us banks error and came about because of the negligence of their employees. This problem has been ongoing since XX/XX/XXXX when I discovered my bank account had been XXXX for an additional {$170.00} beyond the payment of XXXX that was electronically withdrawn monthly. Us bank refused to return my XXXX and I closed the accounts at their bank. I continued to make mortgage payments, while attempting to resolve this matter with us banks complaint department. While this process was in motion I discovered several months later that us bank had set up suspense accounts and escrow accounts and redirected money from the monthly mortgage payments into these accounts to satisfy their original sin XX/XX/XXXX. My mortgage agreement is very clear concerning the payment of county taxes. I paid my taxes and the letter from XXXX XXXX XX/XX/XXXX states that. I have requested this document from XXXX XXXX be review by us bank since this problem was discovered. The last response sent from us bank states this document has been purged from their systems ( attached ). The letter from XXXX XXXX ( attached ) as well. Your bank offers 5 star service, yet fails to contact the customer when errors are made by Us bank which result in serious financial difficulty to your customers. Then after years of denying reasonability you state it was an " error '', " XXXX XXXX no longer works for the company '', " that letter is no longer retained by Us bank and has been purged from our system ''. Us bank paid taxes that were not due, us bank violated the loan agreement ; us bank mislead the CFPB with previous responses see attachments!

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 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This agency isnt licenced to collect in my state, TN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX XXXX XXXX in regards to a credit card ; the company is claiming there is an account that they claim to be charged off in the amount XXXX XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The complaint is in regards to Citizens Bank. I have a home equity line of credit with them. The payment was due on XX/XX/XXXX. On XX/XX/XXXX they called to tell me I was late. In actuality they were paid by bank check transfer on XX/XX/XXXX in the amount exceeding 5 times the minimum payment. I checked the account on line on XXXX in the late evening and found no record of the payment. I called their informtion line and got a message the office was closed leave a number and they will call back. They never did. I called again on XXXX and was told the payment was received on XXXX. I had checked with my bank and was told they sent the check XXXX. I can not be responsible if Citizen Bank can not record the transactions property If Citizen Bank received the payment on XXXX why did they call on XXXX. This is an harassing tactic for NO reason. I have NEVER been late with them. On another occasion the payment was made on time and the next months statement had a notion of a past due amount. I asked them to correct it and they refused. I wrote a letter for them to correct it and it was ignored. This bank is totally negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I have disputed the XXXX/XXXX asking that Experian investigate for fraud but they have still failed to block the negative information from my credit report. As per FCRA credit reporting agencies must block fraudulent information from a consumers credit report within 5 days or receive sanctions. Please remove this derogatory item immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.

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 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am filing this complaint because a company called Americollect is not providing me with validation that I owe them any money. They are reporting that I have four unpaid debts with them totaling {$3800.00} but I have never done business with them or signed any agreements with this company. The first debt is for {$980.00} and was opened in XX/XX/XXXX according to my report. The second debt is for {$980.00} and was opened in XX/XX/XXXX. The third debt is for {$930.00} and was opened in XX/XX/XXXX. The fourth debt is for {$980.00} and was opened in XX/XX/XXXX. The account numbers on my credit are all " XXXX '' so this is very suspicious. I also do not understand why they are all for the same amount. I 'm including a section of my report which shows how they are reporting all these debts to my credit. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX, Wisconsin and I have never lived in Wisconsin in my life. I live in Florida. There are over 84 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation