vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.

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 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
The company Commonwealth Financial Systems reported to my credit a debt which is outside the statute of limitations for collecting medical debt and they also did not sent me any notices about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
I have been having numerous calls from Northstar Location services regarding a debt that is not mine. Somehow they obtained my phone number but they are calling about a debt that belongs to someone else. They have not mailed me any information regarding a debt owed. My guess is that it is for someone else with the same last name but they have been unwilling to research that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Coinbase fraud. How are they still getting money from people? I am one of many ( according to on-line sources ). To not receive funds. What are the options?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX alerted me that I have several inquiries on my credit report. Unauthorized inquiries. I never gave any consent to XXXX nor these companies below to open any accounts without my authorization. XXXX 1. American Express 2. XXXX 3. XXXX XXXX 4. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! <P/>1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. <P/>2. The debt is not mine! <P/>3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. <P/>I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. <P/>4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.

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 2017-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A transaction on my Synchrony account was made on XXXX XXXX in the amount of {$1000.00} at XXXX XXXX XXXX XXXX, NY XXXX. The items purchased were scheduled to be delivered within 2 weeks as stated by XXXX an employee for the furniture company. I patiently waited 1 month for delivery. I placed many calls between the bank, merchant and delivery department. After making several calls, I was notified that some items were not available due to recall as stated by one of the Merchant 's employee ( XXXX ). I was asked if I would like to look at anything else and I replied no thank you! XXXX called over to the main office in XXXX, NY to express I was not interested in anything else. XXXX proceeded to issue out a refund. I notified Synchrony bank about the issue at hand. They conducted there own investigation and found favor for the merchant. However, I have a debt with nothing to show for it. I did not receive any of the items. And I did n't get a refund that was also promised.

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 2017-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Hello, I have paid off my loan with XXXX, but currently, have a negative balance on my loan. My balance shows as - {$44.00}, which would mean that I should receive a refund in that amount. Upon noticing this at the end of XXXX, I used the internal email mechanism to contact my loan provider. I received an automated response, but have not, as of yet, been given a response to my inquiry, nor a refund in that amount. I am attaching a screenshot of my balance, as well as the confirmation of my email and the automated response received in return. <P/>Thank you. <P/>Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
XXXX 2017 I applied for a refinance on my primary loan, which I was approved, after being underwater with my mortgage for about 5 years. I have been trying to do this for at least 2 years and finally I could refinance to have my 7.12 % interest rate lowered to 3.65 %. My second mortgage was with XXXX. My broker informed me that they required a subordination agreement from my second mortgage before they could complete my loan. They contacted XXXX in XXXX  2017 and was told it was approved, but my loan was being sold to Select Portfolio Servicing and they would not release the Subordination Agreement, we would have to obtain in from SPS.
XXXX  2017 SPS obtained my loan and we were waiting for all the paperwork to come from XXXX, including the Subordination Agreement. They stated after a month they did not receive it. After all the frustration of trying to get this to my title company and the broker, I requested that they start the process all over again the beginning of XXXX 2017. To make a long story short, it is XXXX XXXX, 2017 and I still do not have a Subordination Agreement from SPS. They have resent it back with every excuse, including having me down for a short sale ( A SHORT SALE WAS NEVER DISCUSSED ), the wording is not right, there are blanks that need to be removed, etc. This loan I am trying to obtain is not going to effect this second mortgage at all. But in the meantime I am still paying a 7.12 % interest rate when this should have been taken care of months ago. After about 30 phone calls all I get is I will check into it and call you back. I have never received one call back. I have to continue to call them and still not getting any closer to getting this agreement. My frustration level is an 11, it is costing me close to {$300.00} a month every time I pay on my current mortgage and I get the same response as if they are reading a script. I talk to supervisors and have called the Ombudsman department. Still no further ahead than I was in 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 2017-07-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
On XXXX/XXXX/2017 I received my monthly statement from Navient student loan servicing. A late charge was noted for {$.00} and noted as an unpaid amount for {$.00}. I knew this was incorrect because I pay more than the amount due each month and also never have been late on a student loan bill before. My student loan debt is taken very serious as a Nebraska bar applicant and XXXX XXXX holder. My account number is XXXX I called the number for customer service and spoke to a woman who called herself XXXX, her ID # is XXXX at around XXXX XXXX/XXXX/2017 where I was told the call was monitored for compliance, she told me after telling me I could not speak to a manager because call volume was too heavy. When I insisted on a manager she put me on hold and made me wait then asked if I still wanted a manager and then she was advised in how she was instructed to respond to my query. She told me this was a fee from a previous servicer that appeared on my bill that it could be corrected because it should not have been charged as I am on the income based repayment and have been with them at Navient who has been servicing this loan for over 2 years on the same plan. I asked her if this is not considered illegal collection practice and did she know this is a UDAAP. She said, " yes it is. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
On XX/XX/XXXX representing XXXX XXXX XXXX, Schlee & Stillman LLC, sued me in state court for an alleged credit card account that I have never seen before.
The debt was disputed from the beginning. Neither XXXX XXXX XXXX nor Schlee & Stillman LLC could not validate and verified the debt.
In court they filed an affidavit that was prepared and signed onXX/XX/XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. XXXX XXXX XXXX and XXXX XXXX XXXX paid XXXX XXXX after a Consent Order AA-EC-2015-1 and AA-EC-2015-2 dated XX/XX/XXXX.
According to this Consent Order, XXXX has violated few months later by doing exactly the same thing they promised not to repeat.
The plaintiff has not filed any contract or terms and conditions with the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I sent a certified letter to Portfolio Recovery Associates to verify a debt and the debt was not verified. I requested specific requests for original documentation and none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC
State: NM

Complaint narrative:
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, Equifax and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, XXXX and Expirian, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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