vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: CA

Complaint narrative:
Renton Collections. This has been going on sin ce  XX/2016 . They c ontacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XX/XX/2016    YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under RENTON, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them THEY were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  Renton Collection    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
1 ) I was self-employed and unable to make my mortgage payments after living in my home of 15 years.    2  )  XXXX ,  XXXX , I became employed   XXXX   XXXX   as a  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX  and requested assistance from my mortgage lender,  XXXX   XXXX   XXXX  to do a loan modification.    3 )   XXXX ,  XXXX , while in the middle of completing loan modification paperwork, my mortgage loan was transferred from my mortgage service provider,  XXXX   XXXX   XXXX   to Penny Mac. This ca used a delay in me being able to complete the loan modification paperwork and my house was put into foreclosure despite me processing the paperwork because despite my new employment, I was n't able to get the past due payments caught up. I was told I had to redo the loan modification paperwork fo r Penny Mac.     4 )   XXXX ,  XXXX , I completed  Penny Mac 's  loan modification paperwork and began to make the trial payments.    5 )   XXXX   XXXX ,  XXXX , I had to take   XXXX   leave of absence from my  XXXX  job. My employer began arguing that I did not qualify for my short term  XXXX  benefits even though I had been paying into the benefits from the first day of hire.    6 ) Late   XXXX ,  XXXX , I was approved by  Penny Mac f or the loan modification program upon making my  XXXX  payment. I was told the paperwork could take up to 30 days to arrive to sign and finalize the loan modification.    7 )   XXXX   XXXX ,  XXXX , my income dropped substantially making it impossible for me to make the  XXXX  payment.    8 )   XXXX   XXXX ,  XXXX ,  Penny Mac  sent me a mortgage statement billing me for the full past due amount, stating my " ... loan is severely delinquent, and as such, foreclosure action has began ... '' I was not even given 30 days before they moved my loan from loan modification directly into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Around  XXXX   XXXX ,    2016 I co ntac ted Capital One about the annual member fee on my Master Card. I  was informed that new accounts no longer had that fee and that my account has been adjusted to no longer have that fee . Capital One e ven went as far as refunding me the fee they had previously charged me.   Despite t his Capital One ch arged me another fee on  X/XX/2016   . I have contacted them numerous times but they have refused to do anything about it. The best solution they have offered is telling me to apply for another credit card.   I wa nt Capital One to do  as they promised and remove the fee from my account and make sure they do not keep charging it every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Irecieved a letter from Capital one, lord and Taylor credit card canceling my credit card,  XXXX  reason given was that Iutilized the services of an attorney for the handling of my account,,, FROM THE COLLECTIONDS DEPT???? i have the letter in my possession and can sed you a copy..i hired an attoney because I believe i had been treated unfairly by the card because they had put damaging information on my credit report which lowered m y credit score  ... they stopped sendind me paper statements and only did online staements without y permission and did not notify me that any payment was due,,,, I had had this card with Lord and Taylor for 40 years and never had any issues until the card was taken over by  Capital one  ... .and was trying to resolve the issues, ,I was shocked that capital one could do this because an attorney was trying to mediate for me as was getting no where trying to deal with the card myself, ,Idon`t think this is a valid reason for canceling a card,,, by the way the crdit card is paid in full,,, thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Account Control Technology, Inc.
State: WA

Complaint narrative:
My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection was deleted from my credit reports with   XXXX   XXXX       bureaus, and was recently reinserted. I did not receive any notice for this reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has allowed yet again, a company to reattach the same debt that was previously removed by relisting it as an open account then immediately sending it too " new collections '' after.

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 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The Debt Collector called and stated that i owed over {$2000.00} for breaking an apartment lease early it should have been for only 2 months rent. They also keep adding more money to the debt and they are not even the original debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After paying off my mortgage, Wells Fargo Home Mortgage issued an escrow refund check in my name but sent it to the wrong address. I presented this problem in person to a banker at a Wells Fargo branch. It was suggested that I had something to do with the wrong address. It was suggested that I forgot that I used to live at this wrong address. Blaming the customer first is not acceptable. Wells wanted to know if I received the check. No I have not. I am only aware of the wrong address on the check because a PDF version of the check is available online. Astoundingly, the first question I was asked by Wells : Do I have a banking relationship with Wells Fargo? Yes, but maybe not for long.

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I owed {$260.00} to BankAmericard. BankAmericard sent my bank a payment draft in the amount of {$2900.00} which I did not authorize. I had my bank stop the payment. I contacted BankAmericard who verified this was a fraud from a overseas call. They removed the {$2900.00} from my card. The card was then cancelled and a new card issued. BankAmericard then charged me {$25.00} returned check fee, plus {$2900.00} for the returned check and interest ( to date ) of {$43.00} on this same cancelled account. BankAmericard refuses to remove the amount. They refuse to speak to me on the account saying I have to travel to the nearest card center which is over  XXXX  miles away. They refuse to respond to my letters about this matter. It is now affecting my credit rating.

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 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against DIVERSIFIED for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient continues to make it impossible to pay off my debt. The company has raised my interest rate to 10 % on several of my private loans. When I called to discuss interest rate lowered program the representative wanted all of my co-signers information as well. I am unable to give financial information for my co-signers. Also as co-signers they have no obligation to assist with my loans unless I go into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Someone is trying to set up their Paypal account using my email. I do not know if this is fraudulent activity, or a simple error.     After finally getting through to Paypal, they refused to take remedial action, and said that they could not remove my email from this account despite the fact that I never verified the account as being attached to my email.     Someone supposedly named  XXXX   XXXX  created the account, put in a credit application and transferred money ( internationally  ). I  have no knowledge of anyone named  XXXX   XXXX   ( aside from these emails ).      I do not have a Paypal account. I strongly object to someone using my email to conduct their ( possibly fraudulent ) activities.

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 2017-04-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On  XXXX   5  transactions were made on my credit card that I did not authorize through  XX/XX/XXXX  ( using  XXXX   XXXX . I contacted  XXXX  on  XXXX  as soon as I noticed the transactions and they filed a report and told me to contact my credit card company to get my money back. I did so immediately and my credit card refunded my card. After this had happened, I received  4 of the 5 playstations that were ordered through the hacked account and left them in the box and waited for someone to tell me what to do with them. No one had told me anything to do so I waited. I called Chase after I noticed that I got a letter saying I recei ved a benefit from them at the beginning of  XXXX  and asked why the charges are back on my account. They said it was not fraud as I received benefits from the charges, and that they are not responsible for the charges. I proceeded to fight this decisions and also called  XXXX  who said since it 's past their 30 day money back guarantee there is nothing they can do about it and that this is the responsibility of my credit card company to provide a refund as the charges are fraud. They also noted that they have the report on file of me calling on  XXXX  reporting the fraud charges. I have no problem sending these items back ( as long as I do not have to pay for anything ) or doing anything they ask me to do with these items, but I had informed them immediately that these charges were fraud and no one told me what to do with the items. I think it 's their responsibility to deny these charges when they happened when I called or notice that over {$1500.00} over  XXXX  transactions in the same day all from  XXXX  charges were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have filed previous complaints against  Financial Credit Network f or reporting that I owe {$190.00} for   XXXX   XXXX   XXXX   XXXX  , I have provided my lease that I did not live at that residence, I have provided an affidavit stating this debt does not belong to me, and a police report from the  XXXX   XXXX  Police Department in regard to this matter. When I contacted  Financial Credit Network y esterday on  XX/XX/17   , it was stated that they are awaiting " a response '' from the original creditor after I have proven that this account is reporting fraudulent negative information. I want this account removed from my Credit Report  IMMEDIATELY. I ha ve proven everything that was asked of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in  XXXX    XXXX   while accessing my account information I discovered a check for {$800.00} was cashed by an unknown person. I contacte d Citibank rig ht away and advised them of the issue. From what I learned, an unknown person altered and was allow ed by Citibank to   cashed a check from my checking account without my authorization. Based on information given they informed me that an investigation had to be open and at which time they requested information as well as signed documents. I requested a copy of the check which they sent and at which I informed them I had no knowledge of the person who cashed the check and I also signed an affidavit stating the same. However, over the last  two mo nths, I have been in contact with Citbank on the progress of the investigation and spoke with over  XXXX  representatives ...  XXXX  #  XXXX  ... .  XXXX   XXXX   XXXX   XXXX  .... who kept telling me that it would take 90 days for them to resolve the issue and they kept asking that I sent in documents already submitted. On  XXXX / XXXX /  XXXX   I finally got frustrated and asked to speak with a supervisor, they transferred me to a person by the name of  XXXX ID #  XXXX  but again she informed me that they had no information and that they were waiting for information from the branch and that a letter will be sent at the end of 90 days. Based on my conversation with  XXXX , it appears that they were only now contacting the branch based on my call to them today. However, in the mean time I am out of {$800.00}. Based on my man y calls to Citibank I as ked that they refund my money and the many times I asked the many time they declined stating that they ca n't due to the ongoing investigation.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.

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