vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
1. Issue is student loan forgiveness. I have been employed over the past 15 years with various state and community organizations that qualify for the student loan forgiveness program. I have applied 3 times each time my loan get transferred to another company.

2. I have asked for and investigation because the total amount of loan as reported on my credit reports is not adding up it almost appears to be 2x what it should be and including the payments made over the past 15 years.

3. My concern is that when my loans were refinanced they were refinance with the original loan not the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX   XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.

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 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I logged in on my TD account on XX/XX/XXXX, because I was preparing to pay a bill. I noticed the funds are very low, and checked the history of the account. There was a checked made out in the amount of {$3100.00}. On the check, the name is wrong, the signature is wrong, and the funds was already drawn. I immediately called TD bank, after over an hour of wait, I finally get to speak with their fraud department, who informed me that the account needs to be closed, and there 'll be an investigation, with time window between 60 to 180 days. And the money may never come back. This is outrageous, since this is a clear case of fraud, and it's the bank 's fault that the fund were withdrawn. Please help to get this resolved as soon as possible, I rely on this account for bill payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a complaint about BBVA, I tried to call them but they hung up on me. The complaint number is XXXX. I also provided feedback. I would like everything to be reviewed again. Because if they are using an automatic system I did not chose that, if I do not have the money in the account I do not wish to pay something. They decided they would pay it. Which would be a personal business loss on their end. I have no accountability or responsibility to pay them back. Even BBVA 's documents and submitted and in their reply they even state I had the money, and I went into a branch and got my money, their fees were not even process the day I got my money. Again on them and their system. They even show how and tell how they just kept piling on fees two {$25.00} fees several {$38.00} fees and they just kept sending checks according to one of the agents. Which would be another system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TX

Complaint narrative:
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on experian, XXXX XXXX, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

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 2018-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On XX/XX/XXXX I filed for a chapter XXXX bankruptcy. This debt was not reaffirmed, yet we intend to keep paying on the mortgage. Freedom Mortgage would not mail out a reaffirmation agreement, despite numerous requests for them to do so. So, this debt was discharged.

The issue is this debt continues to report on my credit report as well as my wife 's credit report. Since this debt was discharged, the trade line should reflect a {$0.00} balance for both XXXX and XXXX XXXX. It should also be noted that XXXX is a non-filing spouse, yet Washington state is a community property state, so the discharge on this debt extends to her as well. Furthermore, payment history should not be reported after XXXX, XXXX. 

Freedom Mortgage continues to report this debt on both my credit report as well as my wife 's. Numerous phone calls to them do not fix the problem. 

Another issue lies with XXXX 's payment. Freedom Mortgage reported XXXX 's payment as 30 days late, even though it was received on XX/XX/XXXX. They received this payment on XX/XX/XXXX but did not apply the payment until XXXX. This caused a 30 day late payment to report. 

The continued mismanaging on this account has caused my wife to suffer a closure on her XXXX  XXXX XXXX credit card as well as a credit line reduction on her XXXX XXXX and XXXX XXXXXXXX XXXX credit cards. All three credit cards cite a mortgage late payment as a reason for the adverse action. And this was due to incorrect information reported by Freedom Mortgage. 

Previous CFPB complaint numbers are XXXX and 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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: PA

Complaint narrative:
Collection services of Athens has faailed to live up to section 809 of the FDCPA. 
I sent a certified letter in the mail to Collection Services of Athens. This letter was a validation of debt letter that was sent out on XX/XX/2018 and the company recieved the letter on XX/XX/2018. Tracking number XXXX confirms that the letter has been in the posession of Collection Services of Athens for more than 30 days with no response which is a direct violation of the FDCPA section 809 Vaidation of Debt. Since the company has failed to respond I am demanding that this item be deleted from my credit report and a letter on Collection Services of AThens comapny letterhead is sent to me conforming the deletion and also contact all three of the major credit bureaus of this deletion request at once.

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 2018-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I received a text message sent by my bank institution ( Chase ). The text message was an alert as there was a possibility of fraudulent activity. Shortly after this text message, I received a call from Chase.I canceled my debit card as there was fraud activity taken place. A total of {$1700.00} was taken from my business account, in 23 different transactions. My card was used in the cities of XXXX XXXX, XXXX XXXX, and XXXX XXXX California. However I live in a different city,3-4 hours away, and was working when this occurred. Only I have access to my business account and I only have one debit card liked my account. 


On XX/XX/2018 Chase refunded the amount of {$1700.00}, but only temporary. Later that month on XX/XX/2018 the money was removed from my account. Chase stated that after " further investigating since the transactions were done using a pin number '' the money could not be reimbursed. I was told by a Chase representative that I needed proof of where I was the day the fraud took place, so I asked my clients for letters as proof. After submitting these letters Chase still refuses to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I submitted a dispute to Experian over the telephone. I am unable to submit a dispute online, because I have an extended fraud alert on my file. The fraud alert has been on my report since XXXX. Today I pulled my Experian Credit report, and discovered approximately ( 7 ) inaccurate items that I believe belong to someone with a similar name. I called 6 or 7 times trying to get through, and kept receiving an automated message that my estimated wait time was over two hours. Eventually I got through and the rep disconnected the call. Then I got through again and I was repeatedly transferred back and fourth being told I needed to discuss my dispute with a different representative. I believe all this was being done intentionally, because I have previously filed another complaint with your agency against Experian. There is also the presence of a fraudulent P O Box address listed on my Experian report that does not belong to me. I never did get a rep to file my dispute which means that I will now have to mail it, causing additional delays in getting due process to resolve this issue. I believe that Experian Credit reporting agency is reluctant to allow me to file my dispute. In the past I have been told by reps at Experian we can not dispute your account due to a previous investigation.

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: CA

Complaint narrative:
Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I pay a monthly fee to Equifax for credit monitoring services which are suppose to be unlimited monthly reports however im Unable to get my report and my creditor are unable as well ... Im still charged the monthly fee and have called the credit bureau twice a month for the past 6 months at which time they will say something needs to be updated but never resolve my problem completely .... in addition they have failed to complete previous complaints filed on them thur your service ... I have sever credit accounts for which no payment information has been updated since XX/XX/XXXX and several new accounts that fail to appear on my report although the creditor provided proof Equifax was notified of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
This complaint about SIR XXXX XXXX, XXXX. address below XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the month of XX/XX/XXXX I went to pay rent to the XXXX property manager, I was also behind on my payments due to my unemployment in the month of XXXX. On XX/XX/XXXX I went with my daughter to pay for both months in two separate checks with my daughter, but the property manager refused to except my checks, she told us both to go to court. Two weeks later I received a letter for the court date. I went to court and the judge asked when I can vacate the premises because my daughter is in high school, then the judge told me I have to vacate XX/XX/XXXXt and pay {$1300.00}. He also dismissed the court case number XXXX. XX/XX/XXXXt I went with my daughter to pay {$1300.00} in check by court order. She accepted the check but refused to inspect the property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. She later refereed my case to XXXX XXXX XXXX address below XXXX XXXX XXXX XXXX, WA XXXX Two months after she sent me a bill from a collection agency for the wrong amount I owed which was wrong. 
In the end I would like to inform that they never worked on the apartment in the five years I lived there, they never replaced the carpets, painted the walls and never fixed the leaking walls. Due to the leak in the wall, a fungus started to grow which my daughter was allergic to. We have medical bills to prove this. I hope you will take a look at my issue. 

Sincerely, The XXXX family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When I was getting my XXXX I jaf agreed to 4 private loans from XXXX XXXX. I was unemployed, so I began a forbearance program that increased the loan amount. I have since experienced multiple issues : -Federal loan I have no knowledge of and dispited -dealing with representatives who are very un helpful and communicate very conflicting information about their loan programs -I applied for a new interest only loan and payment term extention in XX/XX/XXXX. I was  approved and the new terms were never applied to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: AZ

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

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 2018-03-15 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: TX

Complaint narrative:
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, trans union, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

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 2018-03-15 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: TX

Complaint narrative:
Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on XXXX, XXXX XXXX, and equifax. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Coinbase has a service called the " XXXX '' where you can store money in with additional safety. Due to a Coinbase bug, my funds have been frozen for 95 days and counting.

I had an older account on Coinbase which had an alternate email id. After deleting this account, Coinbase used that id as a secondary email id. I had never given permission for Coinbase to do this. This occured due to their bug/defect/issue. 

when i deleted my account it looks like the secondary email has got deleted too. 

In order to withdraw funds from the " XXXX '', i need to receive confirmation on both Primary and Secondary email addresses. Due to their issue, this is impossible and my money is frozen. 

I have reached out to them on XX/XX/XXXX ( 96 days ago- case # # XXXX ). and i was told i will be assigned a " Specialist '' to help me withdraw the frozen assets ( mail by XXXX ). 

The concern was raised several times again XX/XX/XXXX : 91 days ago XX/XX/XXXX : 55 days ago ( they also opened another ticket # XXXX ) XX/XX/XXXX : 39 days ago I need help to get this rectified. Several people on different forums have reported this and have got this resolved even before me.

Company response to consumer: Closed with explanation