vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Repeated robo/computer-animated voice calls from XXXX  (? ) for XXXX XXXX (? ), which we have never heard of, used, or owed money to. There is no " XXXX '' hospital (? ) where we live. We have excellent credit and have never had overdue bills anywhere. We have received but have not answered telephone calls ( and a number of voice mails ) from ( XXXX ) XXXX on the following XXXX dates/times as documented on our Caller ID : XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. It's time for this scam/harassment to stop.

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Card : I have not used this card in years. I was not even aware that I still had the card. 
Capital One charged me a member fee w/out my knowledge in XXXX of XXXX. 
They reported credit card late payments in XXXX for this fee. I do not have this card nor have I used this card in years. 

This has been the 2nd time this occurred with them. This happened in XXXX as well. They charged me a member fee for a card that I don't have. I thought I'd closed it. I paid it when they called me but had no real idea what it was pertaining to. 

This is destroying my credit. I do not get paper statements from them nor have I received emails ( or any notice. ) This needs to be corrected ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 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: TX

Complaint narrative:
This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. 

has this as notice on my credit report Experian and this company has invaded my privacy ftc violation cra fiar credit act

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX keeps calling as a debt collector Convergent Outside Debt Collector ( XXXX ). I have no debts in arrears. They have call multiple times each day as follows : XX/XX/XXXX @ XXXX XXXX and XXXX : XX/XX/XXXX @ XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX ; XX/XX/XXXX @ XXXX XXXX  ; XX/XX/XXXX @ XXXX XXXX and XXXX XXXX. These calls started on XX/XX/XXXX and are consistent. Nothing seems to stop the calls. 

Can you please assist me? Thank you. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas 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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have made extra payment this year to reduce my balance to < 78 % of the original purchase price of my home so that I could automatically eliminate PMI insurance on my Mortgage. 

The original purchase price / appraised value of my home was {$210000.00}. On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity in my home is 77.489 % which should have triggered an cancellation of PMI insurance. 

On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity on my home 77.26 %. I was still charged PMI of {$91.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I called Freedom mortgage and the agent on the phone confirmed my balance was below 78 % and was not sure why my PMI was not cancelled. He state the department that handles that does not take customer calls and I would need to submit an email. 

I emailed XXXX on XX/XX/XXXX Attn Correspondence department. 

I am requesting that PMI be removed from My account. I have paid down the balance so it should no longer be required. 

Loan XXXX signed with my name address and phone number. 

I received and letter dated XX/XX/XXXX. In this letter they are basically only listing options that would require and Appraisal be done on the properly. One of the statement even state the new appraisal must demonstrates a loan-current value of 75 % for loans aged between two to five years. 

They are total ignoring the fact that the Homeowner Protection of of XXXX required and Automatic Termination of PMI when the principle balance of the mortgage reached 78 % of the original value of the property. 

It is my under standing from reading CFPB Bulletin XXXX that a new appraisal is not required and PMI should have been cancelled on my account. 

I believe they owe me a credit for {$91.00} per month since XX/XX/XXXX and I should no longer be charged PMI.

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: NH

Complaint narrative:
I keep getting calls from the phone number XXXX ( XXXX ) XXXX, or other variations of it. Not once have they left a voicemail. Without a voicemail explaining who they are and what they want, why would I call back? I have been scammed too many times. Sometimes they call 4-5 times a day. This happens at least every day, sometimes every other. They called me 10 times in the last week alone. Sometimes they call before XXXX XXXX, multiple times this past week they have called after XXXX. I spoke with them once, they told me they were Reliant Capitol Solutions and trying to settle student loan debt. They are not listed anywhere on my credit report. When I tried to work out a payment plan with them, they insisted that I had to pay {$1500.00} upfront before they would work out a monthly plan. They refused to work with me. If I can only afford {$50.00} a month, how can I just give them {$1500.00}? When speaking with them on the phone the first time, the man on the other line started questioning why I dont have {$1500.00} to give them. Dont I have parents, family or friends who can loan it to me? Dont I have a credit card? My mother is dead and my father lives 2000 miles away. They raised their voice and became aggressive with me. I have worked out payment plans with other agencies and never been treated this way. This leads me to believe it is a scam. I am more than willing to work out a plan and pay back what I owe, but I dont trust a number who continuously harassed me. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Sent in a letter last year to cancel all cards with Capital One, my online banking was disabled and since I could no longer make payments online, I wanted to be rid of these. My XXXX  XXXX XXXX card gives me a free FICO score every month. I checked it and found it had dropped dramatically, just about 100 points. 

I ran my own credit and found that Capital One had charged one of those closed cards an annual fee, I had no idea, then they proceed to charge their own fee, late fees and report my 'missed payment ' to the credit reporting agency. 

You can look at my credit, I have no other late fees for years. Except another that the same bank did to me two years ago, that had inspired me to pay off and close these accounts. 

Capital One is not a company with any integrity or morality. never once did we receive a phone call for these 'missed payments ' I want them to fix their mistakes and assure me that those cards are CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A long time ago, I had an account with Wells Fargo and it was closed due to a negative balance. I would like to know what happened to the secured credit card funds that linked to the account, and how much do I owe Wells Fargo so I can resolve this and open an Opportunity Account with you. I went to the branch and no one was able to give me a clear answer and the risk department won't talk to me [ I don't know why : D ]

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 2018-08-02 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 shocked when I reviewed my credit report and found late payment on the dates below : ... XX/XX/2016 ... .I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I, XXXX XXXX, have a loan with PENNYMAC LOAN SERVICES, LLC which appears that XXXX XXXX owns this loan. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have been paying {$49.00} for Private Mortgage Insurance every month since I bought the property in XX/XX/2014. My estimated loan balance is {$100000.00} and the estimated value of the property according to XXXX is {$210000.00} and according to PennyMac Loan Services, LLC Home Value Estimator website is {$210000.00}. I know that under the Homeowners Protection Act, a lender must cancel the PMI when the loan-to-value ratio on the mortgage reaches 80 % or when we have at least 20 % equity in the house which I belive I do. I have called PennyMac several times and they refuse to remove the PMI and they claim they dont have an Auto Termination Date for the PMI on my account. I have asked for the Auto Termination Date but PennyMac does not have one in my loan file. I need to know if you can help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2018 I went to buy a motorcycle and XXXX credit card through Citi Financial refused to I inform me why application was not processed. AS a consumer I deserve to know when my credit is pulled why credit was not processed. THEY kept saying department that processes had in a queue but do not take calls. This is unacceptable and appears to be a business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Rent To Own
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: VT

Complaint narrative:
This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX  XXXX XXXX, maybe I could get some help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect a debt for XXXX XXXX. I do not owe this debt. I have communicated this to anyone who contacted me. Also it is from XXXX which is past FCRA and CA statute of limitations Civil Code 337. There absolutely can not be liability to any person on this claimed debt. They are re-aging it on my credit report claiming that it opened in XXXX and reporting it in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
On approximately XX/XX/2018 I received a notification for an option to refinance my Navient loan to XXXX. First off I never had a problem with XXXX XXXX but until Navient came along it been so unprofessional. A few days ago I had to pay both loans from Navient and XXXX which was confusing. I called on XX/XX/XXXX and could not get a straight answer. Until today XXXX called me and said that my loan was not processed properly and I had to begin the whole application process again. I trusted them with my credit and it is unacceptable to be treated unfairly. They indicated that they would still offer me the same terms and rates. I said that would be fine but I have lost time here. I have to review all the payments and interest was applied appropriate. I asked the supervisor for this inconvenience to provide a better rate or do some one time discount but no no no and just sorry. This is very unprofessional and some sort of compensation is due to me after mishandling my information, and my credit. Somebody needs to monitor this company for their violations. Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I requested the date to be changed for my credit card payment. I asked for the payment to be due on the XXXX of the month. Three months past and I forgot about asking for a change. Yesterday, XX/XX/XXXX, I checked my online statement and the due date was changed to the XXXX of the month. 

I called the bank and after a lot of conversations with various bank people, I was told the date I requested ( XXXX ) was not available so it was changed to the XXXX and I was not informed or asked to pick another date. No one contacted me about this matter and if I were to choose a new payment date, it would be after the XXXX of the month because that is when I get my Social Security check. 

I told the bank I could not make the payment due until the XXXX of the month and the bank refused to wave the late charge of {$37.00}. The payment must be made by XXXX on the XXXX. 
I told the bank my money does not go into my checking account until around XXXX XXXX on XXXX, but they insisted on charging a late charge if the payment was not made by XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Investigation took more than 30 days TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: NJ

Complaint narrative:
The number calls repeatedly. I blocked the number but they continue to call. I attempted to call back but the automated answering machine hangs up on me. Still leaving voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NV

Complaint narrative:
Did not receive notification of this debt for {$1200.00} Currently, I live in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC
State: FL

Complaint narrative:
XX/XX/XXXX, i reached out to XXXX XXXX for XXXX XXXXXXXX consult. I received a quote and i applied for credit. Was approved through several different companies but i chose XXXX XXXX XX/XX/XXXX. Even though, i havent had my XXXX, i started paying {$240.00} a month and paid a total of {$1400.00} before i cancelled the XXXX all together. I called XXXX XXXX about my refund and i also knew i was having to pay {$250.00} for canceling. It was told to me that someone from XXXX XXXX sent an email to XXXX XXXX letting them know i was canceling and wanted a refund. XXXX XXXX emailed me me back letting me know they was taking out the {$250.00} and i was getting {$790.00} refund. So i emailed asking what happened to the rest of the money. Still to this day no one will answer. I call back this year and i was told i was getting back {$680.00}. I called XXXX after the conversations with no success, nor any call backs. I want to know what happened to the rest of my money. I have every email and the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
Dyck-O'Neal, Inc. filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims.

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over

1000 fraudulent debt collection cases. I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and
the subsequent actions filed by DYCK using obvious fraud documents.

Company response to consumer: Closed with explanation