vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 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: CA

Complaint narrative:
I originally had federal student loans ( all of my loans are federal ) from obtaining my XXXX XXXX from XXXX XXXX in XXXX and XXXX. I was approved for the XXXX grant but after sending in paperwork several to verify my 5years of XXXX  service at a title 1school I never received the {$5000.00} I was eligible for. I then in XXXX and XXXX was enrolled at XXXX XXXX  seeking a XXXX XXXX in XXXX XXXX. I have approximately $ XXXXfrom my first degree and {$30000.00} from the other schooling and although I tried repeatedly to get the loan forgiveness and even thought they had enrolled me, it was brought to my attention finally that no I had not been enrolled and Navient transferred my loans to XXXX XXXX XXXX. I am now not eligible due to the fact that over the last 13 years my salary has increased making me no longer eligible to get any assistance. Although Ive been making payments since XXXX ( occasionally taking deferments or forebearanceor being enrolled in school ) I have never been in default and i owe near the same amount as my original loans in XXXX and XXXX and XXXX. I am very distraught over all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
I had an FHA mortgage with Roundpoint Mortgage Servicing Corporation ( RMSC ) and I refinanced with another lender on XX/XX/XXXX. The payoff sent to RMSC was short. I was never contacted to say my loan was not paid off. I found out in XXXX when I looked at my online account. After 13 phone calls, I could not get an answer as to how to resolved the problem. On XX/XX/XXXX, with the help of my new lender calling several times as well as myself, I was able to get a breakdown on a spreadsheet of how my payoff funds were applied and the shortage amount from the XX/XX/XXXX closing. I contacted RMSC several times to ask how to send the shortage amount. On XX/XX/XXXX I spoke to customer service. They took my shortage amount payment over the phone using a debit card and said I would receive a letter stating my loan was now paid off along with an apology because of the " back and forth for so many months. '' Those documents never arrived. I checked my online account on XX/XX/XXXX and found the money they collected over the phone was labeled as suspense/unapplied funds. When I called, I was told I needed to pay more to settle the account because the " payoff '' had increased since XX/XX/XXXX. I was also told that their cashiering department did not know how to apply the original shortage amount I paid on XX/XX/XXXX. RMSC is still making escrow disbursements even though I notified them of the situation and spoke to them several times since XX/XX/XXXX. I got their Consumer Ombudsman involved however she was not able to help me reach a resolution. I have also been reported late to the credit bureaus by RMSC for the last two months because they are saying that I haven't paid my regular payment due XX/XX/XXXX and I'm now reported as late 60+ days. I was told by several reps that my account would not be reported late because it was " on hold '' or " frozen ''. I have since been declined a vehicle loan because of this specific negative credit account and my score has decreased 53 points since XX/XX/XXXX. RMSC has the shortage money but they will not apply it to my payoff and close this matter after nearly 5 months and over 20 phone calls and 30 emails. I have also filed a complaint with my state 's attorney general 's office and asked for assistance from a HUD Counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
closed on VA loan XX/XX/XXXX. used mortgagelendersofamerica. XXXX XXXX was MLA agent. XXXX assured me MLA could process the loan without Wells Fargo ultimately having my loan. I was very clear I did not want any association with WF. My loan is with WF.??

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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
Each day McCarthy Burgess & Wolff calls my cell number. I return the call, and they say my number is not in their registry, they can not remove my number. I have no outstanding debts turned over to collections. These are harassing irresponsible robocalls. This has been going on for several weeks. 

Their address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX I will put my phone in the do not call registry again, hoping this reduces the robocalls. This irresponsible company needs to pay me a rate of {$60.00} per hour for each call, and then pay me a {$5000.00} pain in the XXXX fee. Then maybe I'll forget the whole thing before I travel to Ohio later this year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
SyncB/XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There are a couple items listed on my credit from this company which I have never been notified, they are unknown to me and I have health care coverage. These are false I need help I have disputed them with nothing being received. The accounts showing are as follows Commonwealth Financial XXXX {$880.00} Commonwealth Financial XXXX {$880.00} Again these are unknown and I have never done business with this company or any company for this amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
I wrote Delmarva Collections a verification letter about a debt on my credit report and mailed it by certified mail on XX/XX/2018. I received in the mail yesterday a response with my original letter with the words written on it, " account #?? ". I do not know my account number. I thought sending my letter back with words written on it was very unprofessional. I am an consumer trying to get a debt collector to verify a debt that has been posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account. 
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!! 
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!! 
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ridge & Valley Realty, Inc.
State: FL

Complaint narrative:
There are two collection listed on my credit file that are unknown to me, I have disputed with no validation received back. The accounts are XXXX XXXX XXXX XXXX and XXXX These inaccurate remarks need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: TX

Complaint narrative:
The add is deceptive in that it doesn't give all of the information that the consumer would need to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This is a medical bill incurred in XX/XX/XXXX, I made payment arrangements with the service provider in XX/XX/XXXX to pay {$25.00} per month, at which time I started sending payments monthly, and paid as agreed sending more than {$25.00} some months, in XX/XX/XXXX just as I had paid off the debt it was turned over to a collection agency who immediately put it on my credit report. They have never contacted me, I had to find out who they were through the Credit Bureau. I have sent proof of payment in full to them twice XXXX XXXX and again XX/XX/XXXX, I have never received a response from them. I have disputed this account with XXXX and both times they state debt is reported correctly. I have proof of payment in full for the account. I want the debt removed as it was paid in full as agreed with original medical service provider, whom I also contacted that then referred me to XXXX XXXX XXXX whom my account was turned over to with no explanation as to why it was turned over when it was paid in full in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
This is my second time reporting this company. They have not communicated with me to resolve this issue. The last communication that I had with them was on XX/XX/2018. I called twice and sent two emails. I requested to have all documentation of communication and anything relating to my case sent to me. They have chosen to simple not respond to my emails. When speaking on the phone, I was told to give them 2-3 business days. It is now the XX/XX/XXXX. They know that they are in the wrong and are refusing to work with me to correct this. The collection isnt valid and it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a pair of boots for {$840.00} from XXXX XXXX XXXX store and paid with my Bank of America Visa Credit card.After 3 times of wear boots started to fall a part and store declined to exchange or refund. 
XX/XX/XXXX after numerous attempts to resolve this issue with the storeI I open a dispute with an assistance of my Bank of America Visa dispute department hoping that they will protect me and advocate this case as I consider it a breech of warranty.The bank opened a dispute and without any investigation closed it on XX/XX/XXXX no additional information were requested from me.I asked to reopen the case because the supervisor told me that it was an error and they failed to request additional information.She reopened the case, I faxed all supportive documents and on XX/XX/XXXX I received a letter stating again that the bank can not resolve the issue.No investigation was conducted again. 
After I told that I do not have the boots in my possession and I left them with the store and I am refusing to accept repaired merchandise for which I paid {$840.00} and I am out of my money, I was told they will investigate it further.Finally I was issued a credit and the letter stated that the merchant has to respond within 60 days.On XX/XX/XXXX I received again the same letter that the merchant 's return policy is only for unused merchandise and the bank is denied any further assistance. 
I consider it a violation of the Truth in Landing act and Fair credit billing act.The merchandise is a poor quality and failed to perform and I am out of my money and trust as a customer to Bank of America Visa card for denying to protect me as a customer.

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 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
There is an unknown account listed from Wakefield & Associates which is unknown and I do not owe any medical as I have insurance and this is again unknown and I have never received validation or anything about this item Wakefield & Associates XXXX {$410.00}

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 2018-04-26 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: FL

Complaint narrative:
I submitted a request to Equifax for several items for dispute. I never heard back from them within the required 30 days and they should take these items off my report since they did not respond in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For over a year I have been trying to get Wells Fargo Dealer Services ( WFDS ) to report my car loan to XXXX. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. XXXX has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through Wells Fargo Dealer Services ( WFDS ) was removed again. I called to get it resolved and was told to get a copy of my report directly from XXXX to confirm. I called XXXX  and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by WFDS to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with XXXX I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at WFDS and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.

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 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a 30 day to collections letter from Amsher in XXXX about an alleged debt that is not mines. I sent them a letter requesting verification of debt. XX/XX/XXXX I received a copy of a bill as their response to my request for verification according to the Fair Debt Collection Practices Act. Their response was a bill, which does not constitute a form of verification that the debt belongs to me. I immediately responded within 3 days of receiving that bill ( XX/XX/XXXX ) that the unknown debt is not mines and sent a certified letter that was delivered and signed for on XX/XX/XXXX requesting that they verify the debt as per the Fair Debt Collections Practices Act. They never responded afterwards or sent any validation that is competent bearing my signature or any evidence that I had any contractual obligation to pay. Today ( XX/XX/XXXX ) I received a credit monitoring alert that a new collection account from Amsher was added to my report. This has to be illegal and a violation of the Fair Debt Collections Practices Act. This needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation