vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I signed a 12-month lease with XXXX XXXX XXXX   XXXX. On XX/XX/2018 my cosigner went to the leasing office to pay the pro-rated last months rent of {$700.00} to cover the remainder of the lease obligation through XX/XX/2018 as instructed by the leasing agent. He was assured that this amount would satisfy the account. On XX/XX/2018 I vacated the property and returned keys to XXXX. XXXX checked our file, assured me that my account was satisfied and that I would be receiving my deposit back by mail. She confirmed our forwarding contact information was correct and I left. 

On XX/XX/2018 I received a letter from Fair Collections and Outsourcing attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX in the amount of {$150.00}. This is the first time I have been contacted regarding any debt owed to XXXX XXXX XXXX XXXXXXXX. I have not received any notice either by phone or written by post or email regarding any debt much less a delinquency. The letter did not give any detail or itemization of charges, nor have not received my deposit as promised by 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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My payment of {$190.00} was posted to my bank account XX/XX/2018 and sent to Navient. However, there is no record of my payment on my account. A Navient representative told me that I didnt pay in the month of XX/XX/2018, but that is a lie. My bank statement and bank representative confirms my payment. What a shame that Navient would steal my payment. A Navient representative told me that they cant help me. I have filed a complaint with my bank. Also, my new loan servicer informed me that Navient did NOT send them any payment for XXXX, although I made this payment to Navient. I had to pay my XXXX bill a second time!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I reached out to the debt collection company " Sunrise credit services '' for validation of debt listed on my credit report, upon receipt of my certified and registered letter, they responded with a letter which did not include itemized statements, or the initial date of delinquency. Without the validation of this debt the collection being reported would not be legal.

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 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
I accepted a payday loan of {$300.00} from XXXX XXXX XXXX on XX/XX/XXXX this year. When I accepted the loan I was told that {$360.00} would be the total amount I would pay back. I have payed approximately {$280.00} of the {$360.00} amount I was told I needed to pay back. After receiving an advance notice of an upcoming {$96.00} withdrawal scheduled for XX/XX/XXXX, I took a close look at my current principal balance and saw that my {$280.00} payback amount had only reduced the balance from {$360.00} to {$330.00}. I found that most of my payments had covered finance fees undisclosed at the outset of the loan. Some of these fees were in as high as {$85.00} per {$15.00} borrowed. At such an interest rate, I would have to pay them more than {$3000.00} in total for my {$300.00} loan, which I can not afford. Shocked, I did some research on XXXX XXXX XXXX and discovered that they are not licensed to conduct business in the state of Illinois ( where I live ). In addition, their finance fees are far in excess of Illinois laws that cap such fees at {$15.00} per {$100.00} borrowed. Illinois law states that loans from lenders who conduct business without a state license or whose interest rates violate state law are null and void. Im wondering what actions I ought to take next. Ive already talked to my bank and had them deauthorize the automatic withdrawals from the lender. Im worried about collection agencies that may try to collect a debt on a loan thats void under Illinois law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I submitted a claim previously and I am not satisfied with the effort put forth by any of the parties including the CFPB to resolve it. Look here : According to the FAQ on SPS ' website ( XXXX XXXX XXXX ), they state the following : What happens if I send you more than the amount due for the current months payment? 
The answer to this question depends on whether you are current on your loan or past due. 
If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 
If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. 

please call attention to the 1st bullet point. It CLEARLY states when one pays MORE ( more than the required payment, it goes to the PRINCIPAL balance. THis is CLEAR as a blue sky. I do not understand why people do not do what they say they are going to do. ANd then the CFPB just turns and does squat? What the heck is that? Donald Trump should FIRE you! Fix this or I will XXXX the XXXX and complain about this garbage!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
The debt collection company Harris and Harris out of Illinois was given a medical account from XXXX  XXXX XXXX XXXX in attempt to collection that debt from me. The total amount due was {$710.00}. On XX/XX/XXXX I contact Harris and Harris negotiated a settlement of this debt at a 20 % discount if I paid it over the phone with them immediately. Which I agreed to, gave them my credit card information and paid the negotiated amount of {$570.00} and was told that account with them was settled and would be closed out. 

Since the XX/XX/XXXX date I've received 3 different invoices from Harris and Harris stating my outstanding balance with them is {$140.00} ( the 20 %  discount amount ). I've called them numerous times about the outstanding balance being inaccurate, each time they confirm that the account is settled but was " not properly closed out ''. That is why I am still getting invoices. I also continue to ask about credit reporting and they said No,  this account is settled so it would not be reported. 

Fast forward now to today XX/XX/XXXX, I received an alert on my credit report stating that my first debt collection account has appeared from Harris and Harris on my report showing outstanding balance of the {$140.00}. I again called Harris and Harris today and the assure me the account has been settled as of XX/XX/2018 but wasn't properly closed out. The same message they've been giving me since it was paid. 

I am at my wits end because I am still getting invoiced, now it is on my credit report ( which I am disputing ) but I can not get Harris and Harris to  properly handle this matter and close out my account. I've attached the invoice details, and a copy of the line item from my credit card statement showing payment on XX/XX/18. 

Details on Harris and Harris Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
My payments to XXXX XXXX have not been applied correctly. I received a letter from XXXX around XX/XX/2018 stating {$1200.00} due by XX/XX/2018. I had made a payment as of around XX/XX/2018, have been making payments on time monthly since my last complaint back in XX/XX/2018. I am totally confused as to why a {$1200.00} payment was due & now, per XXXX, I am 6 months behind on payments. I called XXXX several times before and after XX/XX/XXXX to find out what was going on. I did not make XX/XX/2018 payment due to XXXX rep, finally letting me know 'no one could talk to me until they got clearance '. A call was received from XXXX as of XX/XX/18 while I was at work, a recorded message left to call back. I called back at XXXXXXXX XXXX this same date & spoke w/ XXXX , who states the car is set for repo at this time, that I am 6 months behind as of XX/XX/2018 in payments. I asked XXXX to explain to me how this was so & I had been consistently making on time payments. XXXX states there is a repo set what would I like to do. I did not have any response as I was not willing to make any payments & XXXX keeps sending me letters that I am behind. If I were really 6 months behind then the letter received for {$1200.00} would be incorrect. My payments are {$330.00} a month x 's 6 would be {$2000.00}. So I am completely confused as to why I received this letter in XXXX & XXXX states I was 6 months behind as of XXXX. The requested amount due does not even add up. XXXX did not even offer any other options, just repo set. I do not feel this is fair due to the fact that I have been consistently making on time proper payments. XXXX stated during this phone call that he would send my payment history by email & it has still yet to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a compliant with CFPB about unsolicited mail previously ( CFPB Case No : XXXX ). Now Capital One has responded indicating they shared my information with Kohls and Saks without my permission. They offer a 3 removal not the permanent removal under standard credit bureau rules.

I find a 3 year removal unacceptable and unsatisfactory. I REQUIRE a permanent removal, furthermore my information was shared with 3rd parties ( Kohls & Saks ) according to their letter without my permission. If they contact me, I will take it as a violation of affiliate sharing laws and file another compliant both based on those grounds at the State and Federal level. I don't believe that Capital One " abides by all applicable laws and regulations ''. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines. If this is not resolved I will start looking for leaders that work for Capital One on XXXX and start contacting them with this issue and response letter. Then as I indicated previously, I will file a series of complaints against Capital One, Kohls and Saks. I will attach this original letter and compliant with the unsolicited mailer. I will make sure that Kohls and Saks are aware that my information was shared without my permission when filing the complaints by Capital One. I will continue aggressively pursue action against Capital One until my name is removed permanently and not shared with 3rd parties. No, not removed permanently. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am writing to lodge a formal complaint against Procollect Collection agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe.

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 2018-10-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Timothy M. Sullivan
State: OH

Complaint narrative:
I have a a unverified account from Law Offices of Timothy M. Sullivan # XXXXXXXX.I have never done business with this company. I had previously disputed this account as it was under dispute for fraudulent fee and breach of contract I have also file a complaint with the Attorney Generals Office for misrepresentation. I have never done business with HS Financial Group , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Timothy M. Sullivan Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Timothy M. Sullivan Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX. 
Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached. 
Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance. 
I provided all Bank Statements, in a timely manner. 
I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years. 
Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made. 

My father is a XXXX  Veteran with major health concerns that have kept him XXXX XXXX  XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers. 
To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification. 
We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee. 

In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction. 

I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved. 

Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: MN

Complaint narrative:
I am a victim of identity theft. The following accounts and credit inquiries listed on my Trans Union credit report are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Requested verification of debt from recieveables performance and was not sent the requested documentation, I would like my letter responded to in full or the debt removed from my reports as it has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS  ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet.

I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.

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 2018-10-30 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: AL

Complaint narrative:
On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

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