vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I refinanced my mortgage. I originally had PMI on the mortgage. But after the refinance there would no longer be PMI. My loan was paid off  XXXX   XXXX . On  XXXX   XXXX  the mortgage company took out a PMI payment for  XXXX , since it is always paid in arrears. Then, again, on   XXXX   XXXX   the mortgage company took another full PMI payment, this  XXXX  for the month of   XXXX  . I challenged that since I only had the loan for 4 days in  XXXX  and I believe that month should be prorated. The mortgage company argues that I have to pay for the full month yet the can not provide me with documentation for my loan where this is allowed or where this is even legal or where I ever signed any type of acknowledgment of this practice. I am requesting a refund of my {$180.00} prorate for the month of  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.

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 non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Financial Ba nk will not leave me alone. I had 15 months to pay {$600.00} and I paid them off  XXXX  of this year but had until   XXXX   of this year (  XXXX   )  to pay them off. I got  XXXX  windows from   XXXX   in  XXXX , MO I payed them off way before I was suppose to..I then I got  one  more window in   XXXX   XXXX   XXXX  . I made payments each month of $  XXXX  {$60.00}. then they wanted more and more money and when I just about paid them in  XXXX  of this year they said I owed {$73.00} dollars ( I owed {$190.00}   XXXX   XXXX   of which I paid ). In  XXXX  of this year they charged me a late charge of {$27.00} which I did n't owe because they said I only made a {$49.00} payment in   XXXX   XXXX   XXXX     XXXX   XXXX   I owed {$600.00}, if you divide that by 15 months you get  XXXX  These people wo n't leave me alone. Worse company I ever dealt with. Anything for money. and they keep harassing me. ( per my bank  XXXX   XXXX   paid {$400.00} dollars,  XXXX / XXXX / XXXX  I paid {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  {$130.00}. ) They keep sending me letters and I told them to leave me alone, not to call or write or anything. but I got another letter today.  XXXX / XXXX / XXXX  stating they are looking into it. there is nothing to look into. My payments were always due the  XXXX  of the month. They were in Texas now I get them from  XXXX   XXXX . IA.

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Can not even " dispute '' with the  Credit Reporting   Co.!  XXXX  has  no human to talk to and no option for actual contact online or even a choice to pay for a report if it " looks '' like you already got to see your credit reports! My computer crashed and when I tried to go back in, it said I had already accessed all  XXXX ! I only have the  1 report, b ut no one to talk to. I need it right away for court on Wed.

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 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus Transunion,  XXXX  and   XXXX   since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my Transunion report which made it seem like I had  XXXX  past due accounts instead of just  XXXX . Transunion reports originally showed as follows :   XXXX   acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XX/X/XX    XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XX    XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}  XXXX  shows both  XXXX  accts the same as Transuion but no   XXXX   XXXX   XXXX   accts.  XXXX  shows no   XXXX   accounts but the   XXXX   XXXX   XXXX   shows as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX  None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from   XXXX   XXXX   XXXX  . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  X/XX/XX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against Transunion and in doing so Transunion deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect. Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.

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 2017-04-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Repetitive phone calls from multiple phone numbers same company. Also rude and disrespectful over phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mel S. Harris and Associates, LLC
State: NY

Complaint narrative:
it 's been over 9 years i keep getting letters from a debt law firm

Company response to consumer: Untimely response
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  XXXX   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 monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SQUARETWO FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute several times.

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 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc.
State: CA

Complaint narrative:
Got a loan from  CarMax Auto Finance,  car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: NH

Complaint narrative:
I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my information.

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 2017-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank, hereinafter  ( " Synchrony '' or " Furhisher '' ) co ntinues to report a " phantom debt '' on my credit reports.  Synchrony admitted  both A ) It has no consumer-signed application for credit on file, an d B ) It has no consumer-signed contract for debt on file. Being that Synchrony failed to respond to Consumer 's Fair Credit Reporting Act ( " FCRA '' ) 623 request with the documentation ( it admits it does not have ). Synchrony can not claim to have sold, transferred, or assigned such phantom debt, because it does not legally exist. The party Synchony claims to have sold said alleged debt to ended up deleting its trade line due to the lack of the same documents requested in the above-identified request. *DIRECT THIS COMPLAINT TO SYNCHRONY BANK ONLY*

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 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a vehicle from  XXXX   XXXX  and was set up with financing through  Credit Acceptance. I   was told I was getting financed on {$18000.00}. If I go through full term of the loan I will be paying them over  XXXX  for a vehicle that is only valued through   XXXX  . at {$8400.00}. Now when I try to refinance the vehicle I am getting denied due to the loan amount exceeding the value of the vehicle. This is not right for a business to do to somebody who is already low income and struggling to keep his family a float.

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 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.

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 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am  XXXX  and only sporadically employed.  Navient refuses t o give me a deferment, in spite of my inability to pay.   I am a   XXXX   XXXX   XXXX   recipient with very limited   XXXX   and not many job options outside of teaching are open to me.   I have notifi ed Navient that my cur rent adjunct teaching contracts for   XXXX   XXXX   through   XXXX   XXXX   XXXX     will provide me a gross annual income of {$17000.00}. I do not anticipate employment for the months of  XXXX ,  XXXX  and   XXXX   as there is no summer school, however, I will commence looking for full time work immediately upon the close of the spring semester at the end of  XXXX . I can not anticipate what work, if any, I will have after   XXXX   XXXX   XXXX    , so at this time, I anticipate my income for the year to be {$17000.00} or {$1400.00} per month.   In spite of thi s, Navient will not  grant me a deferment -- just before the time of year when I do not expect to be making any income at all.   They have proven very difficult to deal with, with different reps claiming that they need different documents at different times, claiming not to have received documents, or waiting unconscionably to respond ... usually insisting that other, new, documentation is needed.

Company response to consumer: Closed with explanation