vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against RECEIVABLES PERFORMANCE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2018-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
It started in XX/XX/XXXX when I accidentally paid through the wrong account number. An account that I never used before. I called right away and they claim they never got that money and therefor couldnt apply it to the correct account. Every since then, every single month I pay on time but they dont apply it for weeks after the due date sometimes months. XX/XX/XXXXevery single month this happened to where now they say Im overdue three months in a row but I always pay on time if not early. I dont know what they are doing with the checks and why they dont process them immediately. In XX/XX/XXXX I sent a check for {$1000.00} and its not XX/XX/XXXX and they havent received it but my bank verified that I wear sent. Why would my bank continually prove payment was sent but the credit card company does not. Huh? I called many times to ask assistance as to why this keeps happening but they will not work with me to figure it out. I shouldnt owe this much as I always pay. This is capital one by the way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Banking. They are looking for people who are not at my phone number. XX/XX/18 spoke with manager after months of daily phone calls with messages left on my answering machine and was assured they would stop, They continue to call at all hours and on weekends. XX/XX/18 another call looking for the same people. Spoke again with a manager who gave me the address for Navy Federal legal department who I will be writing to let them know I will be seeking legal action if the calls do not stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Westlake bank put my payments on pause and after dispute. The company went forwards and put me back on active payments to avoid taxes for the Internal Revenue Service!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX.

The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay.

On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.

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 2018-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Back in XX/XX/2018, I received a notice from Midland Credit Management, regarding a debt for my old credit one account, I advised thru writing the collection agency that ' I DO NOT OWE THIS AMOUNT TO THE ORIGINAL CREDITOR AND WILL ONLY WORK WITH THE ORIGINAL CREDITOR ON RESOLVING ''.

On XX/XX/2018, I check my credit reports and noticed that Midland along with XXXX XXXX credit are both appearing on my credit report. I also received another letter from Midland dated XX/XX/18, along with a bill from XXXX XXXX, once again I write back ( see the attached ), I DO NOT OWE THIS AMOUNT OT XXXX XXXX AND WILL ONLY WORK WITH XXXX XXXX ON RESOLVING. I have tried contacting XXXX XXXX and offer a settlement for the original amount of the debt but have not received a return call.

I believe Midland has once again ( have tried several time to asked to cease collection efforts, without any success and have violated the Fair Credit Reporting Act, They were allowed to place on my credit files this debt with Midland, along with XXXX XXXX, without validating the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On Sunday XX/XX/2018 at XXXX XXXX. I was purchasing a XXXX gift for my wife from my on our XXXX CHASE Visa ( XXXX ) but they declined my transaction from XXXX XXXX online for {$450.00}. I had the card in my possession. They text my wife fraud alerts to her cell phone. That was unfortunate but I get it. I called into their fraud depart. After getting a fraud rep on the line, I completed authentication via IVR and Rep. My wife is the primary and I'm an authorized user on the account. After the rep put me on hold for 10 minutes, the person said they can't help me because I didn't call in from my wife cell phone. I escalated to a manager XXXX in XXXX, IL. After authorizing me again, advised that only the primary can make changes. I was just trying to find out why the put my account on hold. I have more than enough in my credit line and authorized on the account. I then asked to obtain their CRM transaction number and she would not provide this. I asked how to file an official complaint online or on the phone but she advised that only way to do this is by sending a letter to XXXX XXXX XXXX XXXX, OH XXXX. When asked who reference numbers I can use she said none. She then put me on a 25 minute hold to come back to say she can't help me. Both the team member and the supervisor where unprofessional and could not explain the policy to me to correct the situation. They said they could only talk to the Primary. So I went ahead and woke up my wife and instead of authenticating her, they said they will not and she will have the fraud department call us back. Why, well they never said on advised of any internal policy. I totally understand fraud issues and want to work these out with the company but this was way out of bounds and they could not advise me on how to clarify the situation. So, special thanks to XXXX Chage Visa for wrecking my wifes XXXX   gift. I asked that someone from your organization could help out to correct the situation so no consumer runs into this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
My mortgage service provider is CMG Mortgage. I have attempted to modify my loan due to a substantial decrease in my income since the start of the original mortgage. The process has taken over three months. Before and during the process, I had to empty out my children 's NY 529 plans just to keep up with mortgage payments ( over XXXX XXXX worth of funds ). The process with this lender is atrocious. I wasted numerous hours of providing documentation, multiple calls per week during the process in which the representatives either provided inaccurate information. They don't even allow you to speak to the underwriters to make the process more efficient. They would sit on your application for 30 days causing your paystubs and bank statements to become stale. The decision makers would reject the application when they could have picked up the phone to obtain a simple answer. The decision makers weren't even knowledgable enough to know the answers to simple follow-up items. For example, they saw deposits from a 529 plan and asked if this was an independent business arrangement. I would expect these decision makers to know the answers to these questions. Another example, they asked for two months of bank statements for a new bank account. It was a new account, and they could have seen from the statement that it was the first month of operations as the starting balance was XXXX. Finally, they stated that they sent me a " second letter '' in which they never did. They usually publish documents to my online portal. No letter for follow-up was ever sent. They now dismissed my application for being incomplete when I called multiple times to ask what else they needed. The reps you speak to are just messengers and they don't even speak to the underwriters or decision makers. All of this could have been completed in 30 days and if you were able to speak to someone regarding the application and any questions they had on the documentation. They also stated they never received such documentation whenever I either emailed or faxed in the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
XX/XX/18 - Contacted by XXXX XXXX XXXX at Caliber Home Loans regarding applying for a USDA mortgage. He assured me that his firm was familiar with the bankruptcy/foreclosure exceptions and exemptions for USDA loans involving regular or manual processing with or without GUS.

The property in question was not reaffirmed in the Chapter XXXX.

XX/XX/18 - XXXX XXXX reported that my mortgage application was denied due to the foreclosure. He stated, " USDA is a hard no until your foreclosure is 3 years old '' ( XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ) and " I dont think you get It! I had USDA underwriting look at it and they dont feel your reason for the hardships are sufficient enough reason for foreclosure '' ( XXXX XXXX XX/XX/2018 ). The foreclosure is an irrelevant issue as stated below in the USDA guidelines. Further,  XXXX XXXX has ignored my requests to receive further explanations from the party ( ies ) that made the erroneous decision. My bankruptcy was caused by unemployment ( layoff ) followed by underemployment, plus the three-year window has already passed for the Chapter XXXX. Again, the denial for foreclosure was an error by Caliber.

USDA Guidelines - " When a Chapter XXXX   bankruptcy absolved the mortgage debt for the applicant, any foreclosure or remaining foreclosure pending is an action against the property, not the applicant. The foreclosure action is not considered as an indicator of unacceptable credit in the applicants evaluation. A loan underwritten with the assistance of GUS will not be required to be manually down-graded when the bankruptcy discharge included the mortgage debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
i received a letter via usps from big picture loans stating that i am pre-approved for a loan - " myname -- is PRE-APPROVED '' " YOU'RE ALREADY PRE_APPROVED '' " GET MONEY AS SOON AS TOMORROW '' however - after visiting the web site www.bigpictureloans.com - i find out that when entering my personal information - i am not pre approved at all - then they process a hard inquiry on me which has a negative impact on my credit score - their offer is a lie and is a fraud attempt to get one to go thru a process that demonstrates that one is NOT pre-approved at all - they should be made to change all their claims to read - pre-selected for final credit approval dont fall for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: FL

Complaint narrative:
I have been the victim of identity theft the following accounts were opened by someone else : 1 ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist.

The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from XX/XX/1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to 100,000. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX and XXXX  XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.

Company response to consumer: Closed with explanation