vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Dear Sir/Madame I previously filed a complaint, case  XXXX . The account is now closed however I disputed the companys last response. Their last response was explaining what the origin of the loan was and dates it was charged off. I understand the account was mine and where it originated from that is not my complaint. I do n't agree with the fact that they are still trying to collect on a charged off account and tht after 7 years they still have the right to report on my credit repor ts. Generall char ge off accounts are allowed up to 7 years to report. I want to know how cnan they stil be legally allowed to report this on my credit report and if it is a charge off why are they still trying to collect on this after 7 years. When will they be removed from my credit and what is the legal time allotted to report on my credit for this charge off?     Thank you  XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have written Merchants Credit Guide on   XXXX   after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from  XXXX  erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on  XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This happened during  XXXX  and  XXXX  time period. Synchrony bank needs to audit my acc ount ( s  ). Since they manage more than one company and there are people that have or have had accounts spanning more th an one  of their companies they need to do an audit on all accounts showing delinquent on my report. I just paid off something I 'm not sure I owe because my credit went from being excellent to extremely bad. You ca n't find anyone at Synchrony that can look at all of it. When you call they ask you which company do you have a card with. I went in circles with them on  my TJ Max  account over the last year and they were confusing two accounts. Applying money toward an account with a  XXXX  balance when I mailed in the payment for the correct account. I have tried speaking to the fraud department at Synchrony and I 've tried speaking to customer servic e for TJ Max  and  Steinmart, I 've  tried talking to my bank (   XXXX   ) to see if they can help but since it does n't involve them they have been wonderful at guiding me down this horrible path. I am moving from    XXXX   XXXX    to    XXXX   XXXX   as soon as  this gets straightened out and my credit fixed. The people working at this company are not competent enough nor do they care enough to correct this issue. I have always prided myself on having excellent credit and I had no idea this was going on behind the scenes until recently. Who can get this corrected and restore  my credit score an d have this incorrect information removed from my credit report?

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 2017-05-01 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
I saw that the company placed a collection on my credit report. I called on Monday,   XXXX   XXXX   XXXX     and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company  WIlliam and Fudge Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: PA

Complaint narrative:
I called the  XXXX   XXXX   2017  to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe  XXXX  plus an additional  XXXX , so I paid all of that online with my bank account. I called again today  XXXX   XXXX   2017  because I notice all that money was gone from my bank but the their website says I still owe  XXXX . It took  me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
At approximately  XXXX   XXXX  on  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor.   " This is legal notification intended for  XXXX   XXXX . I 'm contacting you today in reference to your case through  XXXX   XXXX   XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is  XXXX  refer to file number  XXXX .  XXXX   XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well.     I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you?   I indicated that I could start a payment in  XXXX    ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC  has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now  2  response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here.     I have attached my original response to Cavalry, dated   XXXX   XXXX   XXXX     ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated   XXXX   XXXX   XXXX     ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated   XXXX   XXXX   XXXX    , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had tried multiple times to apply for a Chase account. I was declined by  XXXX   XXXX  Systems, I then requested my credit report and found no derogatory items. I went back to the bank after several attempts to solve the issue I was unable to get the account. I applied for a report from  XXXX   XXXX   XXXX  and I am awaiting the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
This debt was paid in full on  XXXX / XXXX /   17  and is still showing on all  XXXX  major credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Branch in   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  has misused my account by debiting an amount of {$2000.00} without my authorization.

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 2017-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to my ban k (   XXXX   XXXX   XXXX   ) a nd got a cashiers check for {$2000.00}. I then took that casheirs check on  XXXX   XXXX ,    2017   (  the day my rent was due ) and deposited that cashiers check into my landlords account at his bank  ( Chase Bank ). The tell er who helped me at chase bank handed me a deposit slip and said I was ok to leave, so I left thinking everything was okay. My landlord then called me several days later saying he never received our rent and was threatening with eviction so I went to the bank immediately to figure out what was happening. Chase bank said it was an error on their part and that they would credit my landlord the {$2000.00} while they figure out where the original cashiers check went. Again, I left chase bank thinking everything was ok. I then get a call from chase bank a week or so later to find out that they closed the case, took back the credited {$2000.00}, and are basically trying to tell me that they never received the cashiers check in the first place and have no record of it. They then told me I need  to get a surety bond so that I can place a top check on the original cashiers check and get a new one issued. I called the company that I 'm supposed to get a surety bond from and he told me that this whol e situation sounds fishy and that he had dealt with something like this before and it turns out that the bank was doing something they should not have been doing. He told me I should call the FDIC and have the whole case checked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: WI

Complaint narrative:
I am a   XXXX   XXXX   XXXX   . I am counting on Public Service Loan Forgiveness in a few year s.     I have done everything right. I consolidated under the Direct Loan program, and do Income Based repayment ( IBR ) while having to file my taxes " married filing separately '' each year to keep my payments down while I wait for PSLF. I have jumped through every single hoop required to participate in this program.     In    XXXX   XXXX  , I se nt in a certification signed by my employer which indicates I have been employed a t this 501 ( c ) ( 3 ) sin  ce   XXXX   XXXX  .      In response, my servicer s ent a letter stating that they are only counting 7 of my last 12 payments toward PSLF.  They have provided no explanation of why these are n't qualifying payments. I called, and no one  at Fed Loan Servicing ca n tell me anything.     They also claim that some of the payments were made before  Fed Loan  started servicing my loan, but can not tell me WHO would be able to give me credit for these payments.     In  XXXX , they said they would investigate this. I heard nothing, and called back in  XXXX   XXXX . They told me to be patient. I called again on Friday and was told that they still ca n't tell me anything and to give it more time.     I should be able to get a straightforward answer as to the REASON why a payment does n't count. But Fed  Loan Servicing do es n't provide any information or answers to borrowers.     Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a call from Customer Service they are closing my account because I am well known in the     XXXX   XXXX  . I invest in   XXXX   and buy and sell it. The bank does n't want any customers who have anything to do with  XXXX . I 've had this account since it belonged t o   XXXX   XXXX   XXXX  .   They always treated me well and with no problems. As soon as Huntington  Bought   XXXX   XXXX  ,  they moved to close my accounts. I did nothing out of the ordinary besides deposit and withdraw money and it was n't any large amounts or very often. It is a shame that we in the   XXXX   XXXX   can not have any bank accounts because they close them any time they find out we are  XXXX  people. They also sent me a letter that says they are closing my account but conveniently omitted the reason because they are afraid to put it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. 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.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
I have had it with Sallie Mae. Not o my have they told me I can only forbear my loans for a year, they have continuously messed up my account. I always have to give them a call to fix a forberance, because for some reason their agents do not have the common knowledge of what accounts to forbear. I asked on  XXXX   XXXX  ( for the second t ime ) to fo rbear my loan ending in  XXXX . The first time they missed it, I assumed it was an error so I called and asked them to fix it. I already paid my  XXXX  dollars to forbear my loans, I have the loan numbers and everything ( something I would expect the agent to know already since they ask for all your information before hand ). Some how, they still want to show that my loan is not forbeared AND that I am behind on my loan! If I called on the    XXXX   XXXX   XXXX    and attempt to get it fixed ; while being assured it is fixed ... I expect to see it fixed on  XXXX   XXXX ! I am tired of dealing with Sallie Mae. To know that the only way you can get a repayment plan is of you default on your loans ( was told by consumer advocates ) sickens me! I regret ever using them! Something needs to get fixed, before I seek legal counsel. This is literally the third time this happened, and the second time I am making a complaint about it. I am so lost on what to do, and I feel like I should just let them all default and stop trying to make payments because I wonder if they are even going through! If my forbearance can not go through, what makes them think I believe they received my payments ... Or trust them with my bank account information! I am a new mother! I work full-time, and my income level is not going to work for what they want me to pay back every month, let alone the manner they treat their borrowers.     I am adding the screenshot of when I called them, and my balances!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My mortgage was recently sold from  XXXX  ( whom I had no issues with ) to a company calle d Loacare. I have tried to make my payment online and they refuse to take it! I wanted to do payments onlin e as it 's easier and the woman I spoke with when my loan was transferred stated it was easy and no problems. My payment is due today  XXXX   XXXX ,  2017 . I paid it online on  XXXX   XXXX ,    2017  at approximately  XXXX . I have an email they sent stating that it would be processed but they have not processed it and I should n't have to pay late fees. I called them numerous times only to be disconnected. The reviews for this company are all horrible and I 'm very frightened they will try to take my home. I tried to see if I could refinance with another company but I do n't qualify as I do n't have enough equity in my home. Please help! Someone needs to do something bout this crooked company.

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