vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANCORP
State: MI

Complaint narrative:
This is a response to complaint # XXXX which was responded to us by Santander Bank. Their response is inaccurate and untruthful to say the least. They state that they sent a letter in XX/XX/XXXX and received no response. If they sent the letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, then they should've known that I left the property because that's what they agreed to. In fact, the house was listed after that and pad locked so I wouldn't have access. I also gave them my forwarding address and my email address. I lost my job and came to Michigan to live with family to rebuild. Foreclosure was a traumatic experience and I reached out to cooperate so I could move on. 

In addition, if what they are stating is correct, it took from XX/XX/XXXX to XX/XX/XXXX to foreclose? Is that a timely response? Is that acceptable to the CFPB? Below is what they are reporting to my credit report. I just want the accurate information reported, they had possession of the home as of XX/XX/XXXX How could I be late in XXXX, XXXX, and XXXX if I didn't own the property? They sent one letter in XXXX years? They knew I would cooperate because I was in contact with them since I wanted to make the process as easy as possible. I didn't want my house to just sit empty and I wasn't angry with them, I just couldn't find work. I owned the home with no issues for close to 9 years prior to that and I paid on time until I fell on hard times. 

120+ Lates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CONVENTIONAL REAL ESTATE LOAN, INCLUDING PURCHASE MONEY FIRST ; FORECLOSURE STARTED In addition, I have tried to call several times when I discovered these errors and they were not helpful. I left several messages that weren't returned or they were rude when I did manage to reach a live person. I need the CFPB to help with this for this reason. Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
There was a XXXX XXXX XXXX mobile phone Bill, that was My Ex wives, some how they attached my social security number to this outstanding bill, This Was XX/XX/2006, the total amount due was {$1900.00}, Kirschenbaum & Phillips threatened to sue and place a judgement against me. They took me to court, I agreed to pay the {$1900.00} in installments, I got sick couldnt make the payments, Somewhere in between there is this company XXXX that now has the default judgment, I was never notified, so now Kirschenbaum is saying I owe them {$4300.00} I contacted them and I was told they have received {$1000.00}, so I told them I would give them {$900.00} and that would be the original {$1900.00} that was owed, the will not settle for less {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I am working toward Public Service Loan Forgiveness. Fedloan Servicing is the services the loan. 

There are four months of payments that they have not counted as qualifying payments for public service loan forgiveness. The only explanation they have provided is administrative forbearance. 

I never requested any forbearance. I have requested that the months count or an explanation of why not multiple times in multiple forms. Payments were made each month. Often the same amount as the month before and after. My payments are automated. I pay the amount the servicer requests. 

As near as I can tell I met all regulatory requirements to have the payments counted. I work for the federal government a qualifying employer. I am on a qualifying plan and paying the amount set by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am enrolled in a debt settlement company, who has sent the company ( XXXX XXXX ) a durable power of attorney to settle my debt. I have answered two phone calls from the company trying to collect the debt and have told them to stop contacting me and contact my durable power of attorney holders to settle my debt. They continue to call 4 times a day, every day, and they have now contacted my family members despite requests to stop. This is an invasion of privacy and against the law to continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I submitted this complaint back on XX/XX/2018 complaint # XXXX Which was a follow up complaint. XXXX wrote back that they fixed the debt and released it from collections. They have done this twice. 

The account was transferred to the FTC and upon calling today is an additional dispute case open XXXX. 

Back in XX/XX/2018, After a lengthy numerous phone calls, XXXX promised that I would not have to pay a termination fee as we discussed with the representative since I was in a car accident and wanted to cancel service. 

That termination fee keeps popping up as a debt owed. It is not. 

They have relieved and resubmitted this debt many times, its frustrating. The last we spoke I cancelled out the account at XXXX. Now I have frivolous charges and predatory collection companies placing derogatory remarks on my credit, a violation of the fair credit reporting act. 

IC Systems has never had a contract with me and Is reporting the debt as owed, when XXXX relieved it long ago. IC systems is in violation of the fair credit reporting act and also has no fair way of communication when I call in. Predatory company seeking financial gain from innocent consumers.

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reportedly was paid in points and loan closing cost to refinancing my home on XX/XX/2019 that included the next payment process will not be due after 45 days after the loan closed the payment would not be due. On XX/XX/2019 chase report that the loan were transferred over to chase who is currently the new services provider and requested a payment for XXXX. I disagree with paying the XXXX Payment for the following reasons : ( 1 ) XXXX XXXX Report they were the servicers for XXXX and ( 2 ) Chase report they also was the servicer for XXXX ( 3 ) On XX/XX/2019 I called Chase and reported to the Customer Service Department the discrepancy and to investigate the XXXX Payment being applied to XXXX XXXX doing closing and no payment for XXXX will be paid to Chase until further investigation. On XX/XX/2019 Chase Applied {$2200.00} the XXXX payment to XXXX when they were not the server for the loan. I would like for chase to correct there records and my credit report and apply to reflect correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: NJ

Complaint narrative:
Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
on XX/XX/2018, i started receiving letters from XXXX XXXX hospital regarding a medical bill that is not mine. i got a derogatory remark on my XXXX credit report stating i owe over 9k on medical bills. i would like to address this immediately and either pay off this debt or get this negative remark removed from my 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 2019-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im 2013 my car was vandalized and my insurance paid over XXXX for the repairs. I was told to sign it and mail to the lien holder and then they would pay for the repairs to XXXX. They never did and for over XXXX years I paid for a car payment of XXXX. I was unable to drive and was under non operational vehicle with DMV. Capital one told me for over two years they didnt know where my money was and finally I got a call from a man who investigated it. I then w got my car painted with a XXXX check and it appears to look grey and not silver. Capital One offered me to get a new car but the dealership would not take it as a trade in as the damages would be too costly and it t was of no value due to them not having it painted correctly from the repairs insurance money. The car is not in great condition and its have already spent over XXXX on the car and Capital One is still insistent on me paying XXXX which most of is interest and late fees. Im not paying anything as they ignored me since 2013 and I made my payments faithfully even though I could not drive it. Thats over {$7000.00}. All I asked them is to write it off and give me my title but they would never get back to me. I would call but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
A company called Portfolio Recovery calls my phone number constantly for my ex husband who hasnt lived here in over 7 years. Portfolio Recovery is a Debt Collection agency. I keep blocking their number but they call back from different numbers leaving a computer generated message. I have never spoken to them. They have been calling for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm paying my loan every month. The interest is prime minus .40. Sometimes when I pay twice in one month everything goes to interest. The particular payments I'm referring to are XX/XX/XXXX and XX/XX/XXXX. I paid principal and interest on XX/XX/XXXX then when I paid 2 payments of {$600.00} on XX/XX/XXXX and XX/XX/XXXX all of it went to interest. They said the next billing cycle was due. I thought I was paying accrued interest. All {$1200.00} went to interest. They've done this in the past too. At this rate I'll never get it paid off. Is this right?

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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have disputed this entry for XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Procollect  and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian because they reported me 30 days late on XXXX account XXXX .... in XX/XX/XXXX. They did not respond initially and I just received a response. They corrected the information, but now my XX/XX/XXXX and XX/XX/XXXX are showing 30 days late. It has never been late, none of my previous reports showed 30 days late. I provided my payment history. For 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i paid additional payments to pay my account 1-2 months in advance in hopes of paying the debt off sooner. But instead of being rewarding for making additional payments, my information was reported incorrectly and it is not showing incorrect on any bureau but experian

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 2019-05-13 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 contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While I was monitoring my credit report on Transunion ( XX/XX/19 ) I  found out my credit score went  down 32 points, right away I got in touch with the mentioned credit bureau to inquire about what was the reason, all my accounts were and are at the moment current ( no delay payments, no over the limit, no liens or else ), They couldn't explain in a reasonable or logical way other that 2 specific accounts weren't current ( XXXX XXXX and XXXX XXXX XXXX XXXX ), I called both companies and They told me that both accounts were current and had no issues.

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 2019-05-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.

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 2019-05-13 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: AUDIT SYSTEMS,INC
State: FL

Complaint narrative:
My bank paid a check and I receive what appears a fraudulent attempt to collect the funds again with a hefty fee claiming insufficient funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Account No. : XXXX Amount : {$3600.00} Address : XXXX XXXX, XXXX, XXXX , Texas XXXX Phone : ( XXXX ) XXXX I have disputed this entry for Capital Auto for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Capital One and myself for repayment. The only responses I've received were statements for paymnent. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
According to a guy claiming to be from the compliance office of XXXX XXXX there is a case against me that I am not sure how this came to pass. The gentleman was very rude and also contacted my brother and a clinic with the same hospital I work for but not the clinic I work in. I feel that I have received no information in regards to this issue with supposedly ACE CASH EXPRESS, according to them I received a loan, in an unsaid amount of money and it was deposited to a XXXX bank account with my information on it and that it was not paid due to account being closed, I have been with my current bank for over 3 years and have not been with XXXX for a long time now, so I am not sure about this, I was told that I am being charged with defrauding a financial institution and owe them money, well I do not agree that this is legitimate as I do not recall ever getting a loan from ace cash in XX/XX/XXXX. As for the money that they say that I owe, I have never received any documents in writing stating that I owe any money to them but now have a case pending against me? That really confuses me, because most companies would attempt to collect what could be owed instead of taking a person to court for a small amount as payday loans typically are. Please help me I am a single mother of XXXX boys and work very hard but do struggle to provide and feel that this could be handled differently and I feel that they are using bullying and scare tactics to get more from me then the amount that supposedly was borrowed, when asked for documentation I was basically told that they had already sent the information, but I have yet to receive anything in regards to anything of this nature. I would appreciate a little help trying to clear this up, If I owe something fine, but if this is not something that I owe even if they claim to have all my information that does not mean that I received any money from this place. 

Thank you

Company response to consumer: Closed with explanation