vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is  attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. 

I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. 

As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: NY

Complaint narrative:
I am not working and can not make my loan payments. I have contacted Ed Financial in regards to this matter several times. I made a complaint on XX/XX/XXXX with CFPB. I made numerous attempts such as filing for Unemployment Deferment, Forbearance, etc. and have been denied by Ed Financial. They stated that I have used up the amount of times I can use these options. Ed Financial sent me an application for income driven repayment. I sent in a personal statement explaining that I do not have any taxable income. I also spoke with a representative who advised me that since I have no taxable income I should fill out the income driven application along with my personal statement and that he did not see a reason why it would be denied. 

Well the application was denied and I will have to start making payments in XX/XX/XXXX. These people refuse to work with you and just want to see you go into default. If I do not have a job how am I supposed to pay back the loan? I also have a child at home. Ed Financial is ridiculous and they don't try to help or offer reasonable ways to accommodate your situation in anyway. All they care about is their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Debt from original creditors transferred to collections ( IC Systems ) prior to 180 days. According to The XXXX XXXX XXXX insurance should be not be allowed so that insurance can complete processing

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 2018-06-12 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: CA

Complaint narrative:
I called Transunion to let them know that I was a victim in unauthorized inquires on my credit report and gave them a list of which inquiries I did not authorize and the representative continued to say that I was not a victim and I did the inquires myself, well If I did them myself I would know that and wouldnt be calling!! So I was in great shock when the representative was not willing to help me at all. Attached are the inquires I did not authorize.

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 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
On XX/XX/XXXX I used the services of Western Union Business Solutions to make the payment of {$5500.00} sterling to the University XXXX XXXX, in the XXXX XXXX of XXXX XXXX. 
In accordance with the instructions of WU I made the international transfer from my bank XXXX and the bank liquidator XXXX. 
The data that WU gave me were the following : XXXX XXXX : XXXX BANK LIQUIDADOR : XXXX XXXX DEPOSIT ACCOUNT : XXXX NAME : WESTERN UNION BUSINESS SOLUTIONS USA LLC / XXXX / XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE : XXXX XXXX Today, XX/XX/XXXX, the University XXXX XXXX has not received the payment and, therefore, they ask me to do it again. 
I request your intervention so that WU delivers the funds that, according to what they say, are lost. 
Likewise, I request that I reimburse the expenses and commissions that I have had to pay to clarify this matter. 
I have been in communication with WU for four months but they have not given me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Utah System of Higher Education
State: UT

Complaint narrative:
I had several student loans with XXXX that were paid in full. Several of the loans were reported as PAID IN FULL while 2 of them were marked as delinquent when in fact they were also PAID IN FULL. I contacted XXXX about the problem and they admitted that it was an error when reporting the accounts and that they would fix it. However, it has been on my credit for a couple of months and has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 while on vacation, Wells Fargo closed our current account without notifying us and " upgraded '' our credit card without our notification or request.

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 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.

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 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX at approx XXXX XXXX I cancelled a transaction of {$400.00} that I had entered on Google Payments. I received a confirmation of the cancellation. I relied upon the information and used the funds to make other payments. The following day they debited my bank account the {$400.00}. They have been telling me since then and are now telling me that it will be 710 days to return the funds that they should not have taken. Their support center has done nothing to correct the error. The just repeat the information on their website or cut and paste it into an email. I think that it is either inconvenient to have people Available to correct their errors. The claim that it is impossible to fix. Certainly there is a person capable of correcting this but they cant or wont relay the information. As they are not regulated like a bank they seem to believe that they dont have obligations. This is costing me hundreds of dollars in fees and loss of reputation. Their representitive offered me a {$5.00} courtesy credit. I need the {$400.00} back and will address the fees later. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
Company called over and over saying they were collecting debt that was not related to me or my name. I asked them to stop, to remove me from their list, but they keep calling. They say the debt occurred after I have already had this number, so it is fraud or illicit attempts to collect fraudulently.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra inaccurate information ftc,,fra violaiton

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra inaccurate information ftc,,fra violaiton

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 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/XXXX - I spoke to customer service and requested a manager. I was told that Freedom Mortgage had a problem with their mail system in XX/XX/XXXX where payments were going to another company. My problem was in XX/XX/XXXX where my payment was not received by Freedom Mortgage and on XX/XX/XXXX, I received a letter from Freedom Mortgage that they received my  original cashier 's check for my XXXX payment payment marked RETURNED-STOPPED PAYMENT. 

I emailed a letter to Freedom Mortgage on XX/XX/XXXX, with documentation of all payments sent ( copies of cashier 's checks purchased ) and correspondence received from Freedom Mortgage from XXXX - XX/XX/XXXX 

I received a response from XXXX Mortgage on XX/XX/XXXX stating " After reviewing your account, our research determines we are unable to honor your request to update credit reporting. The delinquency for XX/XX/XXXX is  accurate as reported. 

I purchase a cashier 's check every month around the XXXX or the month and mail my cashier 's check to Freedom Mortgage. This has worked well every month until XX/XX/XXXX. I have been informed of a mailing error from Freedom Mortgage in XXXX that payments have been received by another company. I think this mailing error started earlier than XX/XX/XXXX, because my XX/XX/XXXX payment didn't show up at Freedom Mortgage until XX/XX/XXXX. 

I have documentation to support everything I'm saying. I hope you can look into this matter and Freedom Mortgage will remove my XX/XX/XXXX late mark on my credit file. I'm looking to purchase another home and this error on Freedom Mortgages part is costing me more money for my new loan because my credit dropped from XXXX to XXXX. My mortgage lender is telling me that because of the lower credit score I am paying {$2500.00} more in points to get the same interest rate.

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 2018-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Company is consistently contacting me at my place of work and on my personal cell phone. Calls are several times each hour, every hour. I've spoken to a representative that my employer does not allow for such calls, but the calls have continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX  for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX  owner received coins and would issue credit but no credit on card

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 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: NC

Complaint narrative:
Company calls multiple times on multiple numbers. Keeps calling my place of employment asking for my personal phone number. XX/XX/XXXX and XX/XX/XXXX have called several times. Leaves voicemail saying the are trying to do an assest verification and needing to verify place of employment. Also in voicemail says that the process is being expedited and should come within the next 24 to  48 hours and then they leave the number XXXX, failure to call back may result in further terminations being made. Then the guy talks real low about state and federal guide line and then I have been officially been notified. 


XX/XX/XXXX called my place of employment threatening legal action, would not give me any info in regard to why he was calling. Told me he needed to transfer me. I told him he would need to speak with my lawyer if it was a legal matter and I could give my lawyers name. The guy scoffed and said he wasn't getting off the phone just because I supposedly had a lawyer. Would not give me any info. I asked him not to call my place of employment again to contact me via certified mail only. He told me he could call me wherever and whenever his company wants to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: FL

Complaint narrative:
All my Federal student loans were officially discharged last year, due to XXXX XXXX XXXX XXXX. My student loan servicer ACS/Conduent reported to the credit agencies, I filed for Chapter XXXX bankruptcy. I subscribe to credit monitoring, which alerted me to the changes in my credit. I immediately disputed the information, as I have never filed for any bankruptcy. A few weeks later, ACS confirmed with the credit agencies I had indeed filed for bankruptcy. 
I put in another dispute today, but the credit agencies say my ACS can just confirm the information is correct and start the cycle over. I have spoken with Conduent today, twice. The first woman wanted me to send in my credit report to them for them to do anything. The second woman gave me an email address to send in my information and complaint, while I wait 48 to 72 hours for a supervisor to contact me.

I wasted over three hours of my time today on the phone, trying to get this resolved.

In the mean time, my credit score continues to plummet, due to their error and this company is servicing Federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had {$300.00} dollars worth of income defrauded from my checking account, and after the bank 's " investigation, '' it was deemed that I made these charges, when I in no way, shape nor form authorized them nor participated in them. 

As a result of this seizure of my funds, I am facing homelessness AGAIN. 

I had a person staying with me for a few weeks, named XXXX XXXX XXXX XXXX XXXX, who took my wallet, while I was asleep and initiated numerous financial transactions all over town. I did not give him the card nor my PIN, and no authorization was given to him. 

I am requesting that this amount plus damages be awarded to me and be placed back into my account. There were cameras at these ATMs and this bank knows XXXX well that I was not the one who withdrew this money from my account. Please assist.

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 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Secured Credit Card for {$300.00} cash deposit. Account was closed and Capital One Credit retained deposit. Balance should be " paid in full ''.

Several letters and calls being received from harassing outside Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc.
State: NY

Complaint narrative:
My parents had refinance there house in XX/XX/2006and had accidental death insurance included in there mortgage payment. It was listed as optional product. My parents called XXXX XXXX XXXX numerous time asking what did that mean and they would tell us that it was the accidental death insurance. If the last survivor was to die it would pay off the house. After requesting the policy for years they finally sent my lawyer the policy which do not amount to paying off any house. And the policy states at the age of XXXX  years old the policy went from XXXX to XXXX which is even worst due to my dad died at the age of XXXXyr. How can this be while still paying for your mortgage. My parents were scammed. Please help

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
Contact with XXXX and Ocwen and Prior home owner. Paid over 30,000.00 into home tried continiously to contact for information and payments no call back and would not connect me to agent. I finally got through right before they noticed of foreclosure stated there was a bankruptcy, there was not! Tried assumming loan they said to late this was before foreclosure. Called constantly and passed back and forth between XXXX and ocwen then directed to XXXX no listing ... Received harrassment XXXX XXXX to vacate my money is gone me and my childrens things are in our home. Prior owner came and his family becoming violent and destructive to property. I have my agreement signed I have tried even to just forget the previous XXXX as a loss to not have to loose the home for my family previous owners no longer wanted and scammed along with the banks to take our money. As a single mom I have little and losing more is devasting and then through in the abuse to me and my children. What bank does not want money? Its odd to me that I can not even refinance with the bank since the for sale ny owner was a scam. Did they scam me too? No one will answer, I have emailed, called and still no one has an answer .... homeless with a home ... how is this possible?

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