vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.

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 2017-05-16 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: Conn's, Inc.
State: SC

Complaint narrative:
I opened an account wit h Conn 's h ome furnishing at the end of  XXXX   XXXX .   I made sure I understood all the details.   I borrowed approximately  XXXX  dollars.   I made the first payment due on  XXXX  at the inception of the contract.   My next payment was due on  XXXX .    Conn 's  has attempted to reclassify my payment, even though I made it clear when the payment was made it was for  XXXX   XXXX .   Next , Conn 's ha s claimed that they can report to the credit bureaus unrealized and unowed interest as money I borrowed.   They just reported me as 30 days late, to the credit bureaus even though I have made all my payments timely to this date.   They are rude, disrespectful, uo to management, and refuse to obey the law, the FCRA, and feel their policies are greater than the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TX

Complaint narrative:
COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
Penn Credit starts  calling every day, never leaves a message but will call numerous times a day.   Previously they have asked for my father-in-law ( deceased since    2008  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.

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 2017-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Empowerment Ventures, LLC
State: NY

Complaint narrative:
my complaint is with RushCard. There was unauthorized charges from  XXXX   XXXX   XXXX / XXXX / 17  {$150.00}  XXXX / XXXX /   17  {$2.00}  XXXX  {$60.00} All   XXXX    charges were not authorized I started the dispute on  XXXX / XXXX / 17  when I first saw the charges, after I called  XXXX   XXXX  and it was unresolved. I filled out all the required paperwork that  Rush  representatives told me I had to fill out and sent them back via fax Since that time I spoke to several representatives but the last one yesterday was  XXXX . I advised him that  XXXX   XXXX  resolved the issue and credited back the card gave them statements that were provided to me by  XXXX   XXXX . On  XXXX   XXXX  they refunded the debit card then  XXXX / XXXX / 17  {$60.00} was refunded. Since that time no money was actually refunded to me by Rush. I received letters stating to try to resolve issue with merchant which I have but rush is holding money now for over the initial 30 days they told me it would take. Everyone told me that I cant speak to the actual department of disputes and that I just had to wait. Wait until  XXXX  which is not right since the merchant has refunded the charges I just need it to be done on the Rushcard side I have asked for phone calls back and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: DISCOVER BANK
State: WA

Complaint narrative:
I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted  Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm   XXXX   XXXX   XXXX   XXXX   held the debt,  Discover  transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called  Discover  again and informed them that nobody answered and I wanted to pay off the entire debt. The  Discover o perator told me she would call them and at that point hand me over in person. After  12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a  3rd time with  no answer. I then proceeded to the court house, in  XXXX   county, to get a  copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with  the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from  XXXX   XXXX   XXXX . I asked them what my next step should be and the recommended calling the Attorney  Generals Office Consum er Affairs. I called the Attorney  Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on   XXXX   XXXX   XXXX    . I 'm still standing here wanting to pay my debt and nobody is able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendUp Loans LLC
State: AR

Complaint narrative:
I ha d a Prime loan with LendUp. I got a loan from my credit union and they sent a check to LendU p to pay off my loan in mid  XXXX . The amount they sent was more than the pay off. I 'm not sure the amount of the overage, but probably $  XXXX .     I have contacted LendUp repeatedly and they take days to answer messages. All I have received from them is that my refund " is in process ''. I can not reach anyone by phone. Their phone system directs me to utilize the message portal on their website.  XXXX  messages me back sometimes, but I still do n't have my money.     I started contacting them over 30 days ago and nothing has been resolved.     Horrible customer service.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has manipulated my mortgage and escrow. Secondly, Bank of America hire d a contractor (   XXXX   XXXX   ) to  take pictures of my home.  XXXX   XXXX  employees damaged my home and Bank of America charged for debris removal even though nothing was removed ( see pictu res ). I told Ba nk of America that I want to avoid foreclosure by selling my home or doing a deed in lieu of foreclosure ; Bank of America wo n't return my calls please help.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
These folks have been robo-calling me at the office about a debt owed to a "  XXXX . '' I am not  XXXX  and I do n't owe them any debt. I called them and asked them to stop calling me and they were rude and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
In  XXXX  of  XXXX  I began the process of consolidating all of my loans in order to enroll in th e Public Service Loan Forgiveness Program. I have   XXXX  sets of loan s (   XXXX  for  XXXX  and  XXXX  for  XXXX   ).  The newer loans were released for consolidation in  XXXX  of  XXXX , but the older ones were retained by  Navient. It  has taken me since  XXXX  of last ye ar ( countle ss hours on the phone wit h Navient a nd the new loan servicer ) to find out why the older loans were not released. Apparently, at some point during their history, my previously federal/public student loans, became " unsecured '', making them ineligible for release ( according to Navient ).  Navient is   either unable or unwilling to provide documentation showing when or how the loans became unsecured. I believe that the current " unsecured '' status of my loans is due to an error, either on the part  of Navient  or  one of i ts predecessors/previous iterati ons (   XXXX   XXXX , etc. ). After all these months and countless hours on the phone with  Navient, I am now (   XXXX   XXXX  ) being offered the option to settle on my loan. This further increases my suspicions that my loans have been mishandled. Along with the fact that I felt the supervisor that I spoke with last was condescending and threatening with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate account.

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 2017-05-16 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: MD

Complaint narrative:
I have sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I have contacted this company on several different occassions. This debt was already resolved. The car was sold at the auction and there was no remaining balance. I contacted  XXXX  to retrieve the pay out documentation and they told me they no longer handled the account. I then requested that  XXXX  furnish me with the documenation however, they refuse to. I reside in the state of Maryland and anytime a vehicle is repossessed and resold documentation is of the date of sale, location of sale, and amount of sale must be provided to me. Previously this information was sent and it had a balance of {$0.00} however now this account is in collection. The credit bureaus have updated this account as verified but no information or documentation to validate this account was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
credit card compan y capital one h ad a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in     XXXX      2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no stateme nt for  XX/XX/XXXX  o r ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

Company response to consumer: Closed with explanation