vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: OH

Complaint narrative:
XX/XX/XXXX - 1 call XX/XX/XXXX - 10 calls XX/XX/XXXX - 2 calls And these are just the ones I can track on my phone. There are many more from earlier dates! They just wont stop hassling me! 

I have repeatedly told these people I am not interested in refinancing my home. I have repeatedly deleted emails from them. I have blocked their number on my phone and still they keep calling and leaving voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: WI

Complaint narrative:
I went to a atm in XXXX and the machine didn't give me the money I request. It stated that the machine was out of money. I called Child support XXXX card XXXX. I advised them of the problem. The customer service rep stated that they were going to mail me out a fraud investigating form which I had to sign and send back ... Calling every day since XXXX no resolution was ever offered to me.. Finally XX/XX/XXXX comes around and I received a emailed stated that a credit was applied to my account of XXXX which was the amount of the atm miss dispend. XX/XX/XXXX I received a letter from XXXX card stated that the investigation was completed and the credit would be permanent. XX/XX/XXXX comes around they took the credit back for no reason. I have call the company on several occasions however it is XXXX now and my issue is still not resolved. All the company keep saying is we are investigation and fill out a ticket for this to be reviewed. I just want my money back. Its been 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX I initiated fte payment from my XXXX XXXX to wells fargo in amount of XXXX. It arrived into wells fargo on XX/XX/XXXX. They have placed a hold on the payment for 14 days they state amounts over ( a certain amount ) are held for 14 days before release into the account. This amount was removed from my XXXX acct and credited to wells fargo - they acknowledge having it but will not clear my account. I have escalated this to senior customer service at wells fargo none of whom speak clear english I never did get an answer as to why it takes 14 days or what the magical number is that then indicates they place your money into the hold. Wells fargo clearly have not learned anything from thier recent bad press about customer service!

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 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have had 2 unauthorized charges from XXXX XXXX / XXXX XXXX XXXX on my account since XX/XX/XXXX. I did not notice it until XX/XX/XXXX. I have not had XXXX XXXX for power since XX/XX/XXXX. I have no active accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
I recently filed a complaint, XXXX-XXXX  about DIVERSIFIED CONSULTANTS, INC for posting a fraudulent collection on my XXXX  credit report. Prior to this complaint I posted a complaint, XXXX-XXXX about XXXX XXXX XXXX, XXXX. for the exact same fraudulent collection posted on my XXXX   credit report. 
Both companies posted that the debt was due to XXXX XXXX XXXX. As I stated in my prior complaints, I have contacted XXXX XXXX XXXX numerous times in regard to these fraudulent collections and XXXX XXXX XXXX has not sent my account to collections. I am in stellar standing with XXXX XXXX XXXX. 
When I contacted XXXX XXXX XXXX in regard to what XXXX XXXX XXXX told me the operator said that the collection was actually paid and that they no longer had a collection account for me. That was bizarre to say the least. 
A few weeks later the EXACT SAME collection was posted by Diversified Consultants , inc . 
1. How can Diversified Consultants, Inc. post a collection that XXXX XXXX XXXX said was PAID? 
2. How can Diversified Consultants, Inc. post a collection that no longer exists?

3. How can Diversified Consultants, Inc. post a fraudulent collection on my credit report, the same fraudulent collection that XXXX XXXX XXXX already had posted? 
I immediately called XXXX  and filed the above complaint against Diversified Consultants , Inc.. 

XX/XX/2016 I received a form from Diversified Consultants, an Identity Theft Victim 's Complaint and Affidavit. This form is to be filled out by the person it is addressed to, which the first name and last name are incorrect and now, because I filed a complaint, this scam of a company has my mailing address. The form requests that I contact XXXX XXXX XXXX, Yes I have done this a dozen times in the last four weeks and XXXX XXXX XXXX has NEVER sent me to collections. 
I have to send back this form with more of my personal information, like drives license, valid photo ID and so on. Why on earth would I send any further personal information to this company? This is such blatant fraud it is outrageous. 

I will not be filling out this form. I will consistently file complaints with the CFPB, XXXX XXXX XXXX and XXXX regarding both XXXX XXXX XXXX and Diversified Consultants, Inc. for fraudulent activities on my credit report. 
I do not want this company sending me any further mail or contacting me in anyway. 
Both of these companies are scammers and I have no idea how they are able to operate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: U.S. BANCORP
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit 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 2018-09-10 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a car and it was a total loss. The company Santander was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
My information has been sold to a third company which turns out to be a fraud law office " law office of mitchell " the date on my credit report shows XX/XX/XXXX this company has two of my medical bills one at {$63.00} and the other {$1300.00}, I have not received a notice in the mail about this from the collections agency that was assigned my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with XXXX and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. XXXX needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent out 4 different letters dating back as far XX/XX/XXXX to Transunion, XXXX and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to Transunion, XXXX and XXXX  to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Transunion has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can Transunion, XXXX  and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( Transunion ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.

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 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: HI

Complaint narrative:
In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been trying to get some information for an account from National Credit Systems.  They are trying to collect for an apartment that I resided at, XXXX XXXX XXXX. I have written them multiple times and the only information I have obtain from them was that it was a collection for these apartments. I don't think I owe anything for this apartment. I didn't break the lease, I didn't mess up the apartment and I even came back after I move everything out to clean to make sure I did an acquit job. I have repeatedly asked for an itemized list of what the charges are for. I just don't think that I could possibly owe {$1800.00} for this apartment. They refuse to send me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Constar Financial Services, LLC
State: LA

Complaint narrative:
I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. 

All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have recently changed my name and there has been some issues with a mortgage loan provider being able to access my full credit history. 

The have asked me to contact the credit bureaus and give them updated information, I am able to call XXXX and XXXX to get the information required to update my information. However Experian does not have any way for me to contact them. 

I have tried calling their multiple phone lines and none of them will connect you to a real person who can assist with my issue. 

Essentially they have cut themselves off from the world and I need this resolved ASAP. 

Thank You.

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 2018-09-10 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: GA

Complaint narrative:
I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an issue paying my bill and in XX/XX/2017 I contacted them and they offered a 3 month fixed payment plan. What they failed to tell me was that this would be listed in my credit report as a missed payment on XXXX - XX/XX/2017. If I was notified of this I would have never have taken the option, I would have just paid as I always have. 

I contacted Chase bank and they investigated, however they called me back and told me that the recording of the conversation no longer exists and as a result they would not remove the report on my credit. I feel this is extremely unfair and as stated I would never have agreed to the plan if I was informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX refunded me my purchase of a ticket for customer service issues. NAVY FEDERAL CREDIT UNION has yet to issue me a check for the funds from the credit back to my closed account. This is the same account whom they contacted you the CFPB, and told you that they credited a XXXX USD credit back to my account and waived it and told you my account was officially closed. This credit was issued back to my account shortly after NAVY FEDERAL CREDIT UNION issued a message to the CFPB about this same account being officially closed with me owing them NOTHING. I contacted them on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time they told me debit card services processed the check and sent it out and the truth was THEY NEVER SENT IT OUT. I am writing for them to be required to send it out because they don't have any reason to hold my check and they even told the CFPB this in there statement in response to my previous complaint last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: DC

Complaint narrative:
On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago.

Company response to consumer: Closed with explanation