vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
In XXXX of XX/XX/XXXX cable was disconnected for non payment by XXXX XXXX,. In XX/XX/2018 i recieved final bill for service and all equipment was turned in prior. Late XXXX i was still being billed for service i did not have called company they were supposed to have fixed bill late XXXX received updated final bill. XX/XX/XXXX I called to have my service reconnected and was told I had to pay off the old bill of {$230.00} in which i did to receive new service. paid the amount in full started new service. in late XXXX I received a collection notice saying I owed a past due bill of XXXX called collection company and XXXX to resolve matter, XXXX claimed they had to research the matter in XXXX received a collection from diversified counsultants called and explained to diversified consultants that XXXX had yet to verify my collection and my situation i again called XXXX to verify the debt and correct the situation again told they would research and get back to me. called XXXX  again in late XXXX they stated the would get back to me after research in late XXXX added collection to my credit report by diversified consultants. Neither company will verify the debt or where the balance came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ark Law Group, PLLC
State: GA

Complaint narrative:
They took my {$1000.00} and told me that they were going to make sure that I was at the end of the road, hence stating that they make sure my house goes to foreclosure. Also, they refused to refund my money in a timely matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: WI

Complaint narrative:
The nature of my concern : I received a call and voicemail from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating I owed a debt on XX/XX/XXXX regarding a debt they were trying to collect. The FDCPA requires the collection agency to send me a validation of debt with the first 5 days of XX/XX/XXXX which XXXX XXXX XXXX XXXX has failed to do. I disputed the debt and as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has failed to send me an itemized bill, or validate the debt. 
On XX/XX/XXXX, I received two calls from XXXX XXXX XXXX XXXX from a number they have never used before and they failed to leave me a voicemail stating who they were. I answered another call from them and a lady stated she was from XXXX XXXX XXXX XXXX Pre-Legal Department. I notified her that I disputed the debt, and the phone call ended. 

XXXX XXXX XXXX XXXX XXXX has left my voicemails and called me on XX/XX/XXXX 2 voicemails on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm XX/XX/XXXX This is despite the fact on XX/XX/XXXX I disputed the debt and per the FDCPA, XXXX XXXX XXXX XXXX XXXX was to stop all communication with me and collection efforts until they mailed me a validation of debt notification. 

Also on XX/XX/XXXX they violated the FDCPA by contacting me without notifying who they were, what there business was.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX shows a hard inquirie on XX/XX/2017 on all three credit agencies. I have gone thru the the endless cycle calling back and forth to XXXX and the credit agencies. XXXX did send some paperwork requesting my of my information, in which I submitted the paperwork ands its been 8 months. I never applied for there airline credit card. So can please help to rectify this situation.

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Mineola Texas Star, LLC.
State: TX

Complaint narrative:
Can a loan company take out money from your government benefits? On XX/XX/XXXX this loan company took out {$450.00} from my benefits. Is that legal in texas?

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 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I have a loan with DITECH FINANCIAL LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DITECH FINANCIAL LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: SC

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.XX/XX/XXXX, XX/XX/XXXX /  XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: NC

Complaint narrative:
This complaint is related to complaint XXXX. In that complaint, XXXX/PHEAA   inappropriately switched my loan payment amount from the REPAYE amount to the standard repayment amount 2 months early for most of my loan sequences. My loans should have all updated ( based on my new income verification ) in XX/XX/XXXX but instead most of them were switched to the standard repayment amount in XXXX resulting in a > {$1000.00} increase in the payment amount they were requesting. After filing the complaint, XXXX/PHEAA has halfway admitted there mistake and has agreed to allow me to make the correct payments for the months of XXXX and XXXX and have them applied retroactively to those months. However, as part of their proposal they are requiring me to submit an updated PSLF employment certification form to get the payment amounts corrected. For this complaint, I would like to know who has given XXXX/PHEAA  the authority to impose additional regulations on borrowers for them to receive the correct payment amount under income-driven repayment plans as outlined by the federal government. My loans are all under the REPAYE plan and as such my repayment amount is based on my discretionary income as calculated using my adjusted gross income and family size and updated at least annually ( or more frequently if requested by the borrower ). Nowhere in the federal statutes governing this program does it state that receiving the REPAYE amount is based on being employed by an eligible employer and nowhere does it state that completion of a ECF is required. Furthermore, even for borrowers doing PSLF, the payments do not have to be consecutive and so even for borrowers who do intend to do PSLF they do not have to continuously be employed by eligible employers to remain in the program or to have their loans serviced by XXXX/PHEAA. Regardless of whether a borrower is currently employed by an eligible employer, the REPAYE amount is a fixed amount determined completely separate from the borrowers employment status at an eligible employer. Thus, it is readily apparent that the requirement to submit a current ECF form that covers the 2 months when XXXX/PHEAA messed up my payments is a ) beyond the scope of the authority of XXXXPHEAA and b ) is a purposeful attempt to cause borrowers to pay more in student loans than they are legally required. 

As an updated, I submitted my ECF yesterday for my current employer. This ECF covers from XX/XX/XXXX to XX/XX/XXXX. I have also made the 2 additional payments of {$330.00} ( one on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as requested by XXXX/PHEAA to cover the XXXX and XX/XX/XXXX payments that were messed up. All of this was done within 2 months of XX/XX/XXXX. This should satisfy the criteria XXXX/PHEAA imposed on me in order to override the XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: SC

Complaint narrative:
ON XX/XX/2018 I submitted a police report and identity theft affidavit along with the identity theft report from the federal trade commission on 3 items that were not mine. They removed the XXXX Account but the XXXX XXXX account and the XXXX XXXX  XXXX account have not been removed. I am a victim of identity theft, and I have followed all procedures. Equifax is required by law to remove these accounts from my credit report within 4 business days according to the Fair Credit reporting ACT. The other bureaus did follow the law and removed those accounts. Equifax is the only bureau that is doing what they want to do by not removing the accounts and inaccurately verifying fraudulent accounts. I am going to have to see an attorney about this matter because it is not right and it is illegal. 

According to the FCRA 605B ( 15 U.S.C 1681 c-2 ) Equifax is supposed to block the reporting of information in the file of a consumer identities as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt by such agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A account added to my equifax account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: NJ

Complaint narrative:
A account added to my XXXX account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
I have 10 private student loans which are serviced by American Educational Services. I have paid these loans on time for over three years. This has been a struggle paying these loans, but I do not want to ruin my credit. I have contacted them monthly to ask for assistance in reducing my payments for the loans which are NCT. I sent in a request in writing in XX/XX/XXXXwhich was never acknowledged, I have also asked for copies of the notes that I signed twice, in XX/XX/XXXX and  again today, XX/XX/XXXX. Today, I called again after seeing a reduced payment schedule for the NCT loans on their website. I was told by the rep that this does not apply to me. I asked to speak to someone above her and she said no one was available and I would have to call back. Lastly I asked for the phone number for NCT and she informed me that they were told never to give the NCT phone number to anyone. I have not been treated fairly. I forgot to mention, the woman informed me that I need to stop paying these loans and someone will assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 
2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to  XX/XX/XXXX. 
My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 

2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 

3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen  committed perjury to the court. 

4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Quicken Loans/Rocket is running a shell game with inspection fees. They simply use data analytics to guesstimate the value of a refinance then up the value beyond the supportable valuation for the loan documents ; then collect the XXXX dollars which they then pocket when the valuation is a few dollars shy. There are hundreds of complaints on the internet, all with the same story. I myself fell for this deception and wanted to pass along a Waring, they do not deal in good faith and use the inspection process as a money maker. the ethics of the mortgage company providing these services for themselves is also highly questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: WI

Complaint narrative:
In 2014 my student loan defaulted. I am not disputing that fact. I am however disputing the amount of collection fees the collection agency charged. The amount they charged nearly doubled what I owed. I have been trying to get copies of what the collection agency had sent ( since I believe I was charged 30-40 % vs the 16 % since these are FFEL loans and Phea has never responded. I faxed them and I also mailed a certified letter on the XXXX of XXXX and still have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my identity was stolen and a fraudulent account was opened in my name by XXXX XXXX XXXX. The item is negatively effecting my Experian, XXXX, and XXXX  account. I need the item removed from my credit immediately.

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 2018-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.

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 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/18 a transfer was initiated from my mobile APP of {$1000.00} from my checking account to what was suppose to be my Saving account however after checking the saving account there was no money in the account. after checking the account it appears the transfer went to my credit card account ending in XXXX. Immediately after the transfer I had called the bank to cancel the pending transfer and instructed the representatives to move my money back to my checking account immediately as the funds will be needed. I was instructed to wait till the payment posts to the credit card account at which point the refund can be requested, this is not acceptable as the transfer was just initiated and should/could of been canceled immediately by the bank. Spoke to a manger by the name of XXXX XXXX - manager advanced client services who then advised the transfer would take 2-5 business days to process. This timeframe is unacceptable by all means from a large financial institution and the bank should do better to allow for these errors to be fixed immediately not 2-5 days. Due to the banks restriction on the use of my own money I am not able to make a large purchase that I need to complete within the next few business days which may result in a large financial loss on my part. If such a loss is incurred the bank will be held finically responsible at which may result in a lawsuit being filed with the courts.

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 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have 3 credit cards with XXXX XXXX XXXX XXXX with excellent payment history. 

In XX/XX/2015, my father passed away and I had to take on a huge financial burden. I contacted Capital One at that time to inform them and see if I could get any assistance with my payments. I was informed that I qualified for a hardship program and even though I made payments, They were still reported as late to the credit bureaus. I contacted Capital One and tried to dispute through the credit bureaus, but only received letters stating that the actions were valid. 

I always pay my bills on time and this issue is preventing me from having a good credit score that I deserve. 

Any assistance with this matter would greatly be appreciated

Company response to consumer: Closed with non-monetary relief