vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy fed has put me in a hardship to many times. Last year my now x husband did not pay the mortgage and the kept taking the money out of my account to pay it. This left me with no money to pat the mortgage on my rental property so now the start foreclosure. I gill Bankruptcy to stop the sell. Now im in bankruptcy and i call to have a money order mailed to my trustee for {$1700.00} it never got sent so my bankruptcy was dismissed. The sent letters to my attorney and trustee but the case was not reopened. Now it cost me {$1800.00} refile and they say i dont have enough income to do it this time. I filed lost mitigation papers in XXXX again in XXXX and again in XXXX. Im saying why do i keep having to refile meanwhile they are foreclosing and have a sell date of XX/XX/12. Im saying i thought we were in last mitigation no one has told me the results and that i was in foreclosure. Now they are saying they the whole package My primary is in foreclosure because my e has not paid i asked why no one told me they were not getting paid i was told because my x mailing address was in the system i said my name is on the account also and i have a right to know whats going on. Last year you took the money from my account so why did you not do it this time. Got no answer. They sent me letter telling how far it was behind. So i asked you found me to tell me when it got so far behind but you could not tell me in the first. Now they are trying to foreclose on this two Consumerfinanc.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The public records items below were " deleted '' from my report. The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ... 

PUBLIC FILINGS US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My XXXX debit card was taken by the ATM at the Capital One, NA branch located at XXXX XXXX XXXX, XXXX, Maryland XXXX on the evening of XX/XX/2018. Upon the bank opening at approximately XXXX on XX/XX/2018 tried to retrieve my ATM card. I spoke to one employee and the Branch Ambassador, Ms. XXXX XXXX. They were unable to provide any relief to me on my missing card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want XXXXXXXX XXXX XXXX  investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX  XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XXXX acct # XXXX XXXX XXXX XXXX *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
It has been more than 30 days since my dispute with Professional Debt Mediation Company and  they have not provided the information as requested. In my last complaint they said they needed more time. They have received an additional 30 days already. They havent provided it because they can not prove it because I dont owe it. I am requesting that they follow the law and immediately remove this from my credit report since they can not verify the debt. They still have not furnished evidence of a certified letter being mailed to me. Because it was never mailed. I do not owe this money. Please have them remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: RFNA, LP
State: MS

Complaint narrative:
I have Dispute republic finance it was removed then added back this weekend. XXXX XXXX  company employees managers. Have been using my information for years fraudulently doing things. Only someone with acess to all my information could do this. Im in the process of hiring a attorney to prove this. I have reported this to usda and they have did nothing either. There is a way legally this can be traced its happening at the office of rainervilla apartments and on there personal time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # 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 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2018 I got a payoff quote for my loan with Chase Bank of {$6200.00} with a balance on my last statement dated XX/XX/2018 of {$6100.00}. I called in and spoke to a customer rep to make the payment of {$6200.00} and she said I couldn't make it as it was more than I owed. I explained that is my payoff and she said that it can not be done by her. I then spoke with a supervisor who told me that I can not make payoffs over the phone for which I believe is a violation of banking rules as they allow payments by phone which are taken directly out of my account. The supervisor said he would process the payment amount of {$6100.00} which is the amount on my last statement. I said I wanted to pay it all off and not pay compounded interest on what has already happened. He said he would take the remaining money from my escrow account and it would be paid off. I said ok then he said he couldn't process the {$6100.00} and he could do {$6100.00} which he then did. The money was taken directly out of my account as I authorized it. I don't know why I can not make a payment of my full payoff or even the amount on my last statement for that matter over the phone. 

To me it is a way for them to keep accruing interest on my loan without giving me the ability to pay it off in full. 

While the employees are very nice and tried to do what I was wanted they don't have the ability because of the computer system. This system is flawed and causes hardship and unnecessary compounding interest to be accrued. I feel their system should be fixed and they should be fined for not allowing me to do a payoff in full or even pay the amount owed on my last statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX  a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! 

The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! 
I am appalled at Discover 's lack of effort and ambivalence to their cardholders!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
The amount owed for the daycare collection is higher than the account balance so that needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
A debt collector company by the name of Kirschbaum and Phillips out of  XXXX, NY ( XXXX XXXX ), has sent over paperwork to XXXX XXXX Sheriff 's Department, trying to hard ball me for a debt from 14 years ago ( XXXX ). At the time, I was totally clueless that someone could dispute a debt, and I wound up paying somewhere around $ 14k, paying off one debt and started paying another before I found out that debts can be disputed. I never told the collector at any time that I wouldn't pay the debt, but I DID send them a letter via certified mail, asking them to send me validation of the debt pursuant to section 809 ( b ) of the FDCPA back in XXXX and they never did. I never contracted with this company for them to collect any funds from me, and all I asked for was a copy of the contract with the wet ink signature from both parties, that I gave them permission to collect these funds. The statute of limitations on a debt in XXXX is 6 years. So why are they giving this to XXXX XXXX Sheriff 's Department NOW, when all they had to do was present me with what I asked for a couple years prior? I will be attaching a copy of the letter that I presented them 2 years ago that wasn't followed up with any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the BankruXXXX XXXX XXXX  Docket # XXXX & Docket # 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 non-monetary relief
Consumer complaint received 2018-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018 & XX/XX/2018. I received a responses more than 30 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. 

PUBLIC FILINGS US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC
State: FL

Complaint narrative:
I went to kashable.com and filled out my address social security and other personal information and then they blocked me from accessing the remainder of the application. They then emailed me and asked for a copy of my drivers license and social security card and then after I sent it they immediately denied my application before I could finish it by sending me an email telling me that I been denied before I even completed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have unsecured installment loan with Wells Fargo ( account # XXXX XXXX XXXX XXXX ) that was arrange through the company that replaced my furnace and AC unit in XXXX. The original loan amount was approximately {$13000.00}. 

In the spring of XXXX I had a flood at my home and I arranged for XXXX XXXX XXXX to mitigate the damage which cost XXXX ( cheque # XXXX ) In XXXX of XXXX, made my month payment to Wells Fargo of {$230.00}. I also paid XXXX XXXX the full amount owed. Unfortunately, I placed the cheques in the wrong envelopes ; XXXX XXXX received Wells Fargo 's payment and Wells Fargo Received XXXX XXXX ' cheque. I was alerted to the mistake when the accounts received people at XXXX XXXX called saying the received a cheque made out to Wells Fargo. The agreed to return the cheque to me. 

I called Wells Fargo 's Customer service number on or about XX/XX/XXXX and informed them of the error. They stated that had cashed the cheque made out to XXXX XXXX and Credited my loan account. 

I explained the mix up and asked them to refund the amount I had paid them in error and inquiring why they cashed a cheque that was clearly not written to them. 

Wells Fargo agreed to return the money to me in ELEVEN day less the loan payment amount and would charge a late fee of {$38.00}. 

At time of writing ( XX/XX/XXXX ) I have not received the reimbursement I asked for and paid for with the service fee. 

Now XXXX XXXX is beginning legal action for non-payment. 

Please help me recover my money.

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 2018-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AK

Complaint narrative:
I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the  XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). 
Please see all attachments. 
The small account that this same company alleges that I owe is acct # XXXX .... 

Thank you for your time in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: PNC Bank N.A.
State: NC

Complaint narrative:
PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX   and XXXX  credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX  and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX  and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.

Company response to consumer: Closed with explanation