vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: ID

Complaint narrative:
The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX  XXXX XXXX. The only company we know of named " XXXX  '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX  XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, Portfolio calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I notice on XX/XX/XXXX, that US Bank were charging an Annual Fee, the Bank claims my card has annual membership fee {$49.00}. I contacted bank regarding such fees. I stated, I show no record of signing any such agreement with US Bank. I requested a copy of original credit card application executed on or about XX/XX/XXXX, the banks representative refuses to provided copy of same with my signature demonstrating the terms and condition I agreed regarding such fees for {$49.00} Annual Fee. I stated all my current cards are no fees, I requested to speak with a manager or supervisor, the representative refuse claiming she is the manager. I would never agree to a credit card terms and condition with annual fees. Such terms should be disclosed in writing on the credit card application or promotions.

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, XXXX calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. On XX/XX/18 received a demand letter from creditor in response to consumers written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

Creditors demand letter did not include the requested information that would show ownership of the account by Midland. Failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX failure to provide requested information for the debt alleged. XXXX XXXX XXXX XXXX has been reporting on Consumers credit report and attempting to collect for a debt that the consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ;  b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
XXXX XXXX XXXX XXXX responded on XX/XX/18 with a request for a medical authorization. This was provided on XX/XX/18, again with a request for the above information. It has been almost three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Greeting, In XX/XX/2018, I received verified dispute results from Equifax, XXXX, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my job a year ago and also fell ill, i could not make payments so home went into foreclosure. VA felt my illness was just bad health, i was getting worse and they wanted to hospitalize me but i refused, last visit i mention this to my new provider and he noticed something so he prescribed antibiotics. It turns out i had an XXXX that was causing the XXXX  XXXX XXXX, XXXX XXXX, XXXX problems, etc. During this illness i files for chapter XXXX but was dismissed due to filling out income incorrectly, i filed pro se and was not able to find legal assistance. I corrected the forms and refiled but was denied because i did not pay for the first filing, even though i had no income. 
My foreclosure sale was scheduled for the XX/XX/XXXX and my only hope was to file chapter XXXX, but i had to pay for all filings which was ~XXXX. I had just started working part time since i was recovering. 

i filed on XX/XX/2018, well in advance of the foreclosure sale in 6 days. I calles wells fargo on the XX/XX/XXXX to work on a payment plan and was told sale went through but notation on account stated they were going to rescind sale. It turns out foreclosure trustee denied to reverse the sale because this was the 3 bankruptcy but there was a stay in effect and a chapter XXXX is treated differently than a chapter XXXX.Foreclosure trustee is supposed to be a neutral participant and this was clearly not the case. Wells fargo is the servicer not the lender, i dont believe they had the right to foreclose on my house.

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 2018-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Today XX/XX/2018 I attempted to contact a human being at Experian and as in the past I was unsuccessful, even though I spent several hours in the attempt! My reason was according to a written communication I received from Experian I had requested a fraud alert. No such request was made! My information is supposed to be frozen. 


I used several sources from the Internet to attempt by virtue of multiple telephone numbers. In addition I contacted XXXX to insure my credit freeze still existed in their records and found it had been supplanted by a fraud alert issued by Experian. Additionally I contacted XXXX  and found that the fraud alert had been placed by Experian on my account there as well, but I did find that the freeze remained in place. 


I am not happy with any service I have ever requested from Experian! I would like my record expunged from these people as I believe they are not capable of securing my information! Is that possible, and can you tell me how to accomplish the task?

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 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. 
In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. 
I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. 
I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Paypal Credit reached out to me several months ago to resolve a credit balance for the synchrony bank account i had prior to losing my job. Due to their timing i was actually able to settle on the account for less than full balance, it was around {$600.00} that i paid to them. 

Now several months later they are calling me again telling me no payments have been received for a long time, despite me already settling this account. 

I would like them to stop calling me asking for payments on a debt i already settled with them.

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 2018-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate of information and refusing to change it. I called them 7 times to get them to remove it and they refuse to do so. In fact I spoke with a rep names XXXX and he was rude and refused to let me speak with a supervisor. Also they get there info from consumer agencies not the actual court. The are reporting 4 bankruptcies and I don't have any. The other reporting agencies have removed them. Experian is the only reporting agency refusing to removed them. Please help me get this done the are violating my rights.XXXX also told me the CFPB cant make them do anything.

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 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
For more than 10 years I was told by my servicer ( Navient / XXXX  ) that my loans did not qualify for income-based repayment options. That my only options were deferment, interest-only payments or income sensitive repayment. Only when I contacted the Department of Education directly after a third party student loan guarantor heard my information and directed me to them by passing trying to sell me their service because they knew what I was being told was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

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 2018-12-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

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 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied and received a XXXX XXXX card from Capital One, I made my first payment of XXXX early so I didnt have to wait for the auto pay to kick in, but as it happened auto pay took out another XXXX Capital One refunded it on XX/XX/XXXX but then turned around and took it out again, I contacted them on this, they ask me to fax the info from my bank to them, I did so, they claim they didnt get it then they said they did and I would would receive a refund no later than Tuesday XX/XX/XXXX, thats today and no refund, so I contacted them again today they claim they never received it ( sure they did'nt ) so they gave me a link to e-mail it to them, i did so, they I contacted them and wouldn't you know it! they still havent received it. 
This is fraud!! CFPB I need you to investigate this and fine Cap One {>= $1,000,000} also i am reporting this to my attorney as well as the Texas Attorney Generals office for investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I initiated a refinance of my existing mortgage with Wells Fargo Bank and had just completed my home inspection on XX/XX/XXXX. On XX/XX/XXXX, I heard a news report about Wells Fargo foreclosing on 500 homes. News report said Wells Fargo was pointing to a computer glitche. This made me nervous so I cancelled my loan preparation with Wells Fargo and began with another loan company. In the meantime, the appraisal company ( XXXX XXXX ) filed the appraisal with XXXX XXXX for Wells Fargo. My new loan company ( XXXX XXXX ) is unable to use the new appraisal for my loan unless Wells Fargo provides a release letter to them and complies with other transfer itsms. I began calling Wells Fargo on XX/XX/XXXX to get them to provide a letter releasing my appraisal and other documents to XXXX XXXX. The Executive Office of Wells Fargo received my case file and has stated that it is their policy " not '' to release appraisals for liability reasons. I asked for a reimbursement of my {$500.00} appraisal fee or the documents releasing the appraisal ( I prefer an appraisal release so that I can continue my ref ) and was told by XXXX XXXX on XX/XX/XXXX that they could not do either. On XX/XX/XXXX, I contacted XXXX 's team leader, XXXX XXXX, who assured me he would get the docs to release the appraisal. My new loan company has not yet received the paperwork and I have left two messages with Mr , XXXX to call me and have no responses. I am on a timeline with XXXX XXXX and ready to do final closing paperwork if I can get the release on my appraisal. I feel I do not have to pay for another appraisal when the one conducted by Wells Fargo and paid by me is a valid appraisal that I can use. Wells Fargo is citing liability issues if they release my appraisal but I see no validity to that reason. The only liability is on the appraisal company if they did not do the appraisal by the standards. Please help me with this problem.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I work for the XXXX XXXX XXXX XXXX. I deposited my work check pay date XX/XX/2018 for the amount of XXXX dollars into my checking account.The check was unable to process. I was told that the bank that written the payroll check had insufficient funds. After contacting Fifth Third several times I was unable to get assistance on why the check didnt clear. On top of rude customer service every account specialist that I spoke with gave me different dates on which I MIGHT be able to get my funds. Being that the post office is a federal agency job I should have had faster results. Instead of a date saying it will be processed after the holiday when thats a whole new pay period. They delayed bills from being paid. Fifth third is by far the worst bank I ever dealt with. And I dont suggest them to no one. I will also contact news station to let potential customers know how they treat their customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This has happen for the second time in 2 years! Please see attached letter to and from mortgage company! They made a repeated mistake on the Escrow estimate for the second time in 2 years and expect me to pay for it! A so called Internal accounting error! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
The company United Collection Bureau called me on XX/XX/2018. I sent a letter of validation, dated XX/XX/2018 ( I have a PDF scan of the letter, and sent it via certified mail ). However, they continue to contact me. They have called me on the following dates, without responding via mail : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I do not know how else to get them to stop calling me at this point. My FICO credit score is over 800, and it is clear that the debt they are inquiring about is for a relative of mine, and not mine. 

At this point I am seeking legal counsel and would like to pursue whatever form of civil or criminal claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo illegally evicted me and foreclosed upon my property in XX/XX/XXXX. Wells Fargo admitted to the SEC that because of " calculation errors '' homes were foreclosed upon from XXXX on customers to were qualified for modifications but had been turned down by Wells Fargo.

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