vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.

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 2017-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ROC Asset Solutions, LLC
State: OR

Complaint narrative:
My cousin ( whom i havent spoken to in years ) was contacted about " a debt i owed '' and i neeed to contact them before legal action was taken. I immediately called API and was shocked by the phone call. A man calling himself XXXX XXXX physically threated me and said he was going to " pay a visit '' to my grandmothers house and then rattled off her personal information. I immediately called the police in newyork where the business is located as well as the police where i am. I went as far as to have the police show up to the business. After this, they stated " they had the wrong person '' after physically threatening me and my family. i XXXX the business and discovered that they collect money and never write off the debt. When someone questions them they suddenly " have the wrong person ''.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your credit reports and must delete.

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 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I began receiving daily phone calls from fake phone numbers in  XXXX  of this year. I finally answered one and waited for the call to connect. After connecting the representative on the phone stated they were from a debt collection agency and asked me for my credit card number to pay a medical debt of {$50.00}. I have never received a bill. I told them I would not give them my card #, but if they sent me the bill I would review the claim. About 2 months later (  XXXX  ), I received a written notification from a company called " Credit Collection Services '' stating that the date of service was from  XXXX / XXXX / 2015  from  XXXX   XXXX . I reviewed all of my medical files and have no history of medical tests being done on this date. I responded with a letter to Credit Collection Services the next day stating that I was disputing the claim and requested they provide a copy of the original invoice with explanation of how they tried to bill. On  XXXX  I received another notice from Credit Collection Services stating that the past due account remains unpaid. They have not responded to my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Solutions Inc
State: NE

Complaint narrative:
ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you  XXXX   XXXX ,  ne.this is the ph one number to ar solutions  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
At first,  XXXX   XXXX  and  XXXX  put a negative remark on my credit report using all   XXXX   credit bureaus. This was in  XXXX   XXXX . They said that I owed {$300.00} to  XXXX . I had disconnected  XXXX  service effective  XXXX   XXXX . There was nothing owed to  XXXX  I wrote to  XXXX   XXXX  and  XXXX  and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent  XXXX  bill. I have disputed and  this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.

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 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: ND

Complaint narrative:
As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.

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 2017-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO

Complaint narrative:
In  2015 ,  XXXX  's  XXXX   XXXX  sent a bill to collecti ons. RentCollect was the company took over the bill. I never received any sort of communication from RentCollect in regards to this. I only found out about it after checking my credit and noticing my score went down due to the collection. The bill they received was for something I do n't owe. Even so, today I contacted them in an attempt to pay that bill. I only offered to pay it because my new apartment complex asked me to address the issue. I called RentCollect multiple times trying to make the payment and only asked for a faxed confirmation to be sent to the apartment complex. They very rudely told me they would not do that and it would have to be mailed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
The company had send bills and other documents. I  have request information from regarding Financial Aid that should have cover this balance. The company has closed this debt and did not remove it off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
This is a follow up on complaint  XXXX  filed  XXXX   XXXX ,  XXXX . The previous company has now changed their name fro m Law Enforcement Systems , LLC (  F rating by BBB  ) to    Professional Account Management, LLC   at the same address. After I filed the initial complaint I did not hear anything from either the CFPB or Law Enforcement systems until Friday  XXXX   XXXX ,  XXXX . Professional Account Management continues to try and collect an illegitimate debt even though I have provided them with documentation proving I am correct. They refuse to go back to the original creditor and make them prove that the debt is legitimate. Please see complaint  XXXX  for the original documentation provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation