vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
on XX/XX/2018 i received notification from XXXX   and XXXX that there is a collection on my credit, when i checked i noticed a collection charge from XXXX XXXX. This company has placed a charge of {$60.00} that XXXX XXXX has purchased looks like from XXXX XXXX.And has caused my score to dip due to this false statement by XXXX XXXX, i have no contracts what so ever with XXXX XXXX i called XXXX and they can't even see that i am a customer because i have no accounts with XXXX. This is fraud by XXXX XXXXg as i checked the internet many have reported scams originating in this manner from XXXX XXXX. They conveniently have placed a fraudulent charge and refuse to validate the debt because i don't have any contracts with XXXX. I expect XXXX to have XXXX XXXX remove this fraudulent charge ASAP wihtout delay i am hereby giving them 30 days if not removed law suit against XXXX XXXX and XXXX XXXX will be initiated.

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 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: TX

Complaint narrative:
I AM TRYING TO CLEAN UP MY CREDIT AND I SEND A GOODWILL LETTER TO THE SCHOOL ASKING IF THEY COULD REMOVE THE 3 LATE PAYMENTS I HAD BECAUSE I HAD HIT A ROUGH PATCH IN MY LIFE AND FOR 3 MONTHS I COULD NOT PAY. XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX I WAS UNABLE TO MAKE A PAYMENT. WELL WITH THOSE 3 LATE PAYMENTS IT SHOWS I HAVE 27 LATE PAYMENTS BECAUSE I HAVE A FEW LOANS SO ITS MAKING IT HARD FOR ME TO GET CREDIT OR TRY TO GET MY FINANCES IN ORDER, I AM BACK IN SCHOOL NOW AND I JUST NEED SOME HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I was suppose to receive my direct deposit in the amount of XXXX. When I called in @ XXXX I was advised that I need to faxed in address verification by a supervisor which constants of a piece of mail and government ID. I sent this information @ XXXX and called back when I faxed in this information. I was told that it will take 4 hours to process and I will receive my funds by XXXX EST. When I called back at XXXX XXXX  they informed me that I needed to send in my social security card. After going back and forth with XXXX who was a supervisor, he then told me they were able to make an exception but sent my direct deposit back to my employer at XXXX XXXX. If I was informed this when I called in when sending the fax i could of contacted my employer HR department.

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I recently turned in a XXXX XXXX XXXX leased vehicle and just traded another XXXX XXXX XXXX leased vehicle. BOTH had perfect payment history and XXXX XXXX XXXX has placed a 30 DAY LATE for each lease on MY credit and my wifes credit report AFTER the 1st was turned in and AFTER the 2nd was FULLY PAID OFF IN TIME which is FALSE AND INCORRECT. THEY ARE REPORTING FALSE 30 DAY LATES EVEN THOUGH PAYMENT HISTORY WAS PERFECT AND THEY WERE BOTH TERMINATED/PAID IN FULL 20 DAYS PRIOR TO ANY OTHER PAYMENT BEING DUE. THEY REPORTED THIS 3 MONTHS AFTER BOTH WERE TERMED/PAID OFF which is an ERROR on their part and creating a credit nightmare for me and my wife right now. 

They corrected 1 when I filed a complaint with the 3 bureaus and they JUST put it BACK ON MY CREDIT FILE AGAIN today. This has Never happened before with any finance company and I have NEVER BEEN LATE ON A PAYMENT WITH ANYONE!! XXXX IS FRAUDING ME AND OTHER CONSUMERS BY DESTROYING THEIR perfect credit. I believe it is because I DID NOT PURCHASE/LEASE ANOTHER XXXX someone needs to start a class action lawsuit to stop them!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 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: GA

Complaint narrative:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

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 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX  Credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XX/XX/2015 XXXX XXXX XXXX sold my account to XXXXmr cooper mortgage while it was in lawsuits settlement, so all the information XXXX XXXX XXXXXXXX had transferred to Mr Cooper,  so XXXX XXXX XXXX settled with me and brought the loan back, asking mr cooper mortgage to delete from my credit file and that was 4 years ago and they still have it on my report and refused to take off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: GA

Complaint narrative:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

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 2018-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my Equifax - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Was contacted by the XXXX XXXX or what we thought was Ocwen. We were instructed to send XXXX XXXX XXXX  for our modified payments. We were obviously frauded, now a Ocwen wants {$3000.00} before XX/XX/XXXX or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was going through my credit report & noticed there were couple of late payments listed for my 2 capital one credit cards which I wasn't made aware. I made payment on-time every month and i did not received any past due amount. 

Late payments listed below : XX/XX/XXXX -30 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX - 60 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX -30 days ; XXXX -60 days : XXXX -30 days Please kindly update those payment above to show paid as agreed. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX  continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX  results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've received a letter as well as a response to my complaint that the hard credit Inquire performed by XXXX loans is factual. Factual ... Based on what factual data or documentation? A credit granter attesting that a consumer was seeking one of the three criteria 's stated withing your " question regarding inquiries '' letter therefore making it permissible for said credit grantor to pull ones credit history is not factual by any means! Again I did not request credit of any kind including store or mortgage credit, I did not apply for any services of any kind including utilities, phone, cable or home security, and finally I did not indicate in any way that I was applying for credit of any kind. If you wish for me to consider this mater closed and not peruse further litigation than simply provide proof in support of your claim of said credit inquire being factual where I knowingly or unknowingly requested credit or services from XXXX loans as your criteria defines within your XX/XX/2018 " question regarding inquiries '' letter to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
My mortgage was sold to Nationstar several years ago. I have had nothing but problems with them since. My husband and I have only social security as income. We live on a tight budget and emergencies can cause big problems. Got behind on payments and did a modification and was paying on time and early until we had a problem and got behind. Person helping me was no help at all. Never told me I could put arrears in a repayment plan. Instead offered another modification. I explained from the very beginning, when I was only a few payments behind, that I did not have internet and she needed to mail me the forms to fill out. I already knew the documents they would also need so I had them ready. After phone calls, voice messages and emails, six months later I'm told they don't mail paper forms!!! 
Now when I ask about repayment I'm told they looked into doing it in XX/XX/2018 but it was a year and I didn't have the amount available, whatever that means. I ask why I wasn't told about this and I'm told they only send a letter if I get approved??!!! 
This company is a mess and now I face foreclosure. I was never treated right and want to file a formal complaint against Mr Cooper and XXXX XXXX my dedicated loan specialist. Very poor quality work on my behalf. This should have been resolved within a few months as a repayment plan. 
Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
- I opened a loan with Prosper in XX/XX/XXXX o Encountered financial hardship Fall XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted Prosper via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to XXXX XXXX  XXXX - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of XXXX XXXX XXXX. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - Prosper continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about XXXX XXXX, XXXX?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet Prosper continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX   checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This morning my bank account was frozen by XXXX XXXX, every XXXX was removed without any prior knowledge. When I went to see what this was on behalf of I was told there was a personal judgment as well as a lein to my property. I have never been served any papers from a court on behalf of a hearing or a judgment. No one is able to provide me this proof of service or information about the debt. Was only told it was for 2011 and now is at over {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: DISCOVER BANK
State: TX

Complaint narrative:
I have called discover and I have asked them to remove the inquiry on my credit report for all 3 credit reporting agencies. I asked Discover to provide the ip address that was used or the application that was mailed out to discover. They have not produced any documentation stating that this account is mine or the inquiry belongs to me. I asked the lady over the phone if this is common she stated yes. Instead she mails a letter stating that the inquiry is valid and I will not have the inquiry removed of all three credit bureaus. XXXX, XXXX and XXXX. I am know asking Consumer Financial Protection Bureau to enforce state or federal law and assist me in getting a copy of the phone call that took place before the letter was mailed out. I have a copy of the letter that was mailed out it should not be difficult for discover to produce the ip address or the copy of the application that they received in the mail. I am not sure how consumer financial protection bureau helps consumers get their money back but I will ask and I would appreciate if they explained to me how this procedure works. Please assist me. With my scores as low as they are it would not make sense for me to initiate a application. I for a fact know that it was not me. Discover is unwilling to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
they lost my XX/XX/XXXX payment. I authorized them to charge my checking account for my XX/XX/XXXX payment ( XXXX.. They charged my account for two payments ( {$25000.00} ) and refused to correct their error.

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 2018-06-02 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 — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have 20 missed payments from Navient on my credit reports from all three credit bureaus, XXXX, XXXX and XXXX that I want removed. I have been sending Navient letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that XXXX sued Navient because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of Navient offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

Company response to consumer: Closed with explanation