vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX I began noticing odd charges on my credit card. I notified Capital One via letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again this year twice, the first time in XX/XX/XXXX and then again recently in XX/XX/XXXX. I've gotten ZERO responses other than them sending me correspondence informing me that because I DID NOT inform then with 6 months of the charges I was not allowed to dispute the charges!! I did notify them, with 30 days or less, or each and every single charge. In XX/XX/XXXX, I even sent them copies of each letter along with copies of the statements showing the charges in question with only a response to one charge for {$100.00} which was done XX/XX/XXXX. 

There are 7 charges total that come to {$890.00} and were done as follows : 1. XXXX on XX/XX/XXXX to XXXX XXXX 2. XXXX on XX/XX/XXXX to XXXX XXXX 3. XXXX to XXXX on XX/XX/XXXX 4. XXXX to XXXX on XX/XX/XXXX 5. XXXX to XXXX on XX/XX/XXXX 6. XXXX to XXXX XXXX on XX/XX/XXXX XXXX. XXXX to XXXX XXXX on XX/XX/XXXX The one and only charge reversed so far has been {$100.00} to XXXX. NONE of the others have been remedied and I've incurred late fees, excessive interest, and damage to my credit as a result of this. I've been undergoing a medical problem for the last 1 1/2 years that prevents me from speaking on the phone so hence the constant letter writing. I've not had the ability to work so I've not had the ability to use and pay the card, yet because of questionable charges AND Capital One ignoring my correspondence I now have damaged credit and debt that I can barely afford to pay. 

This has gotten beyond frustrating at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When applying for my mortgage I was advised that my Navient student loan was showing delinquent for earlier this year. I was confused as this account has been in deferment. I quickly contacted Navient and they advised me that it was indeed an error and would be correcting the deferment ASAP. They will not provide me a letter stating the correction was made other than the account is now back on deferment. They stated that the credit history would be corrected on the next reporting. The problem is, Navient only reports once every quarter which is too long because my home will be ready in less than 30 days. They advised me to place a dispute with the bureaus, which is ridiculous as the error lies with them not the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Customer Service, Inc.
State: SC

Complaint narrative:
In the summer of XXXX ( exact date unknown ) I entered a vacation sweepstakes in a magazine I regularly receive called XXXX XXXX. After a few weeks, I received a phone call from an unknown number saying that I had made it to the final round in the sweepstakes and was now being offered a free trial of magazines. Thinking this was in partnership with XXXX XXXX, a magazine company I trust, I consented to the FREE trial. I was told I could choose from a wide variety of magazines and that I would receive several varieties in a month. However, I received Glamour and XXXX XXXX, neither which I chose, which I just threw away thinking it was no harm since I didnt pay for them to begin with. A few months go by again and I receive a phone call saying that I owe money for these magazines. I gave a rebuttal that I do not owe them anything since I never consented to pay for these magazines I never wanted. I cancelled and the man on the phone hurriedly says XXXX take me of the list. At this point, I moved to a different location and forgot about the ordeal completely. Again, a few weeks to months go by and I receive a phone call saying that I owe a balance on the magazines I was receiving. However, I was told that my renewal would be cancelled and all debts removed for just {$50.00}. Confused at how I ever got into having to pay anything at all for a service I didnt want, I mistakenly obliged to pay {$50.00} just to drop the matter. I was charged {$49.00} on XX/XX/XXXX. However, within the same month I was charged another {$49.00} on XX/XX/XXXX. Irritated, I called and tried to confirm my cancellation, telling them I was still receiving the magazine though I never renewed. They said I would continue to receive magazines for the amount Id already paid ( {$50.00} ), but that my subscription was indeed taken off the renewal list. However, I was then informed of a balance of $ 600+ dollars! I explained I never wanted this service and cancelled long ago and told them this amount would not be paid. I then proceeded to cancel my card to receive no further charges. They continue to call and harass me at least once a week. The amount then went to the collection agency Total Customer Service , Inc which, according to XXXX reviews has worked exclusively with XXXX XXXX XXXX and similar scams. Therefore, I am choosing not to interact with them and instead wanting to consult a more assured process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I was asking for information on a medical bill I am disputing. I requested information pertaining to bill and they sent me my sealed medical records. They are not suppose to have that. I sent them a certified letter question their access to my private medical history and procedures and they never answered. And they have been reporting this erroneous debt to the credit bureaus regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OR

Complaint narrative:
Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo continues to mishandle the escrow calculations on my home mortgage account. Earlier this year, they made numerous mistakes which required CFPB 's intervention. Shortly after appearing to resolve the matter, in XX/XX/2018, they again made mistakes with a " new '' escrow calculation/analysis, in which they simultaneously accused us ( in the same document ) of both underfunding and overfunding the escrow account. This company has simply no concept of how to correctly collect, calculate, and pay escrow. We have had numerous correspondence with the company, but as of today, they have not done a correct escrow analysis or changed their demands that we overpay the escrow amount in XX/XX/2018 and going forward. We request CFPB intervene with them, and ask them to comply with their regulatory and contractual obligations on the handling of escrow accounts.

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 2018-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have two separate complaints, one from XXXX XXXX XXXX XXXX and one for XXXX XXXX. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX  has deleted the account, however the other two XXXX and Equifax have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXXXXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and Equifax since they have not removed or deleted the error on my report as requested. 

XXXX XXXX {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from XXXX XXXX to XXXX due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. XXXX XXXX stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with XXXX XXXX and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with XXXX XXXX and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX and the three bureaus XXXX, XXXX and Equifax since they have not removed or deleted the error on my report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Mon. about XXXXXXXX XXXX. I opened up mail at my home to find out a secured credit card had been requested in my name and {$500.00}. was debited from my checking acct. I immediately got on the phone with the bank, and on hold, I discovered my e-mail was compromised, over 15k e-mails. Then I still was on hold and accessed my on-line bank acct, to find out there was a wire transfer ( also unrequested ) that was PROCESSING. When the Rep. answered the phone I told her that {$1000.00}. was PROCESSING, I had to hang up and withdraw my money. She said, let me help you, by the time you get to the bank, it will be gone. I told her You don't understand, I did not authorize it. She said she would take care of me. I have spoken to numerous people over 24 bank people in the following 48 hours. It has been a month and I STILL have yet to see m {$1000.00}. The bank did put back my secured credit of {$500.00}. and cancelled the card. That is it. They denied my claim, even thought they said it was sent to XXXX in XXXX XXXX 's name. I never was informed my case was closed, now they tell me the e-mail was sent to my work e-mail which I never provided. I had to reopen the case. I want help in this fraudulent action against me. I also have filed a police report. The claim is XXXX at B of A.

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 2018-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
ON XX/XX/13 MY SEARS CREDIT CARD ACCOUNT WAS CHARGED FOR XXXX FROM A XXXX XXXX AND I HAVE NO IDEA WHO THEY ARE AND NEVER DID BUSINESS WITH THIS COMPANY. I CALLED SEARS CREDIT CARD BACK WHEN CHARGE SHOWED ON MY STATEMENT AND REPORTED IT AS FRAUD AND THEY DID NOTHING FOR ME SO I AM NOW FILING A COMPLAINT WITH YOU AGAINST SEARS CREDIT CARD MASTER CARD. PLEASE HELP ME GET MY MONEY BACK THAT THIS COMPANY STOLE FROM MY ACCOUNT WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND LIVE ON A FIXED INCOME THIS IS SENIOR ABUSE

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
This company began contacting me in XX/XX/2018. Around XX/XX/XXXX, I spoke with XXXX XXXX and was informed that they were attempting to collect $ 2500+ on behalf of the Registry at XXXX XXXX in XXXX TN. I immediately informed her that the balance was nearly {$1500.00} over what is owed to them and explained why. She cut me off repeatedly and asked for my email address saying she would have to send my information to her dispute department. In informed her that I had email communication between myself and the apartment complex and asked her where could I send my dispute but she refused to provide contact information. Approximately a week later I called back and informed her that I had not received an email. She then asked for my email address and mailing address but still did not provide dispute instructions. Over a month later I had not received anything. I called her on XX/XX/XXXX and she told me that they sent an email on XX/XX/XXXX that had likely gone to my junk mail, and that is where I found it. The balance was adjusted to {$1600.00}. Once again I asked how to disputed the balance but she refused that information. I asked for a supervisor and was transferred to a voicemail box. I left a message but was never called back. I called today and spoke with someone named XXXX (?? ) and expressed my concerns. She took some information down and said that she would go back to the apartment complex but once again failed to outline a dispute process. They are threatening to report the debt on my credit report and rental history on XX/XX/XXXX if I dont give them money. They have not sent any debt validation and continue to refuse to outline a dispute process. I feel as though my rights are being violated.They are asking me to pay them but saying that they are still going to report the unpaid disputed portion on my credit report. I will pay what I owe but they need to give me a fair and honest way to dispute the portion that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My loan was sold by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. They have repeatedly called me asking to give me refinance options which I don't want to do. I have complained that they are calling me on a masked phone number- appearing to be a local call when it is not and calling my mobile phone which I didn't want them to do. I asked to be placed on a do not call list and the calls continue. They now have called my work number. and no amount of complaining seems to help. This is a truly unprofessional company and their must be some law the prevents them from badgering customers to refinance so they can get fees and rollover loans at rates they don't like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 9 mos ) for {$700.00} - This is not accurate and needs to be immediately removed. Please fix this issue as it's messed my ability to get credit for myself.

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 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: TN

Complaint narrative:
Movement Mortgage I'm very distraught of the lost XXXX Earnest Money, XXXX Inspection, totaling XXXX. The XXXX appraisal fee was was returned to me but the rest of my lost hasn't been addressed. XXXX XXXX requested the closing date be extended and which I agreed and then the loan wasn't approved which made me loose my XXXX earnest money and XXXX inspection money. I would like for that to be returned to me to settle this matter. 

My prior CFPB # XXXX

Company response to consumer: Closed with explanation