vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Premier Student Loan Center
State: CT

Complaint narrative:
I was contacted by Premiere Student Loan Center of California, in XX/XX/XXXX, offering to look at all of my student loan debt and see if I was eligible for any student loan forgiveness. I am a XXXX so I do not remember if they knew that or I mentioned that, but we got on the track of XXXX at a low income / non profit XXXX and they got back to me in XX/XX/XXXX stating they would be sending a form to me to fill out to verify this was indeed the institution where I XXXX. They asked for upfront the following payments that I completed from my back listed above. 

XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00} and XX/XX/XXXX payment of {$240.00}. Then they assured me the repayment plan would be this : 120 payments ( monthly totaling ten years ) of {$30.00} to THEM ( not my student loan company which is XXXX ( totaling {$180000.00} ) starting  XX/XX/XXXX {$30.00} every month until XX/XX/XXXX. 
When you go to their website they are VERY misleading when they show at the bottom of their page XXXX approval XXXX, which implies they are XXXX   accredited but when you go to XXXX  site they flat out state that Premiere Student Loan Center is NOT XXXX accredited. 
Now I returned to XXXX University XX/XX/XXXX to finish my XXXX and my actual student loans, at XXXX, were put on an in-school deferment status. But Premiere Student Loan Center still collected. I found out today, from XXXX ( XXXX - conversation was recorded ) that they did receive a form in XX/XX/XXXX showing I do XXXX a nonprofit XXXX and therefore AM eligible for student loan forgiveness, but she assured me based on my income and family size my ACTUAL repayment is {$0.00} for 120 months. Repayment with my actual loan servicer XXXX has NOT yet gone into effect ; they have not received XXXX XXXX  from any of the monthly payments I have been paying to Premiere. The {$1000.00} ( 4 initial payments of XXXX ) was explained to 'process ' the paper work. This is a scam. XXXX also informed me today ( from XXXX ) that as of XX/XX/XXXX my account went into forbearance status. This was put into place by Premiere so that I would not be contacted by XXXX. All this time I thought these {$30.00} payments were towards my repayment plan to have {$170000.00} in student loan debt forgiven. Come to find out Premiere was just pocketing these payments. 
Please advise as to what my next step should be to either get back any of that money I sent them, or to at least help spread the word so that this company does not scam any more honest hardworking XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber
State: IL

Complaint narrative:
I had an agreement with the original company that sold my " debt '' off to Grant and Weber -- I tried to explain this to XXXX and he basically told me that I was a liar and that I was wrong. I will not be dealing with Grant and Weber and I will also be submitting a formal complaint against the original company with whom I had made a prior agreement. I have also been getting non-stop phone calls from the Nevada area code that I can only assume are from Grant and Weber. I work a full time, XXXX job and do not have time to talk to rude debt collectors.

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nations Recovery Center
State: FL

Complaint narrative:
I received a call and letter from Nations Recovery Center on XX/XX/XXXX to collect a debt from a judgement that was vacated in XXXX XXXX 2 years ago. Previous to this call I dealt with Nations Recovery two years ago where I provided them proof that this debt was no longer owed and judgement was vacated. I also send them a cease and desist letter in regards to this debt and to no longer contact me in XX/XX/XXXX. They recently called me on XX/XX/XXXX claiming that I still owed this debt so they ignored my cease and desist notice as well as trying to get me to pay them again for a judgement that was vacated two years ago from a debt acquired in XX/XX/XXXX. I since sent them another cease and desist and proof of vacate of judgement for this debt. I continued to receive harrassing phone calls and mail correspondence for a debt that does not exist. I have suffered emotional distress and physical discomfort from these interactions with Nations Recovery Center and would like to report their harassing behavior. I have attached the notice to vacate on the refered judgment. The first letter to cease and desist and a picture of the email that acknowledged their acceptance of the notice and my second notice to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX   XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XX/XX/XXXX MY SS XXXX MY NAME IS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I truly can't see myself writing this letter in regards to my credit card being deny by XXXX XXXX XXXX. After many years and products and service with XXXX XXXX. I can say XXXX XXXX has over 10+ accts of mine. Not excluding at least 5+ auto loans paid well. H/E loan paid off. Many PL paid off. 100 % of mine and XXXX my kids accts. Not one time 10+ yrs have we been never late with many credit accts or debit accts. My issues is that I open an credit card with XXXX XXXX many yrs ago and added my wife to the card. recently her business partner stole $ XXXX from her LOC and she had no choice to file BK # XXXX. So with her being added to my XXXX cc, I understand 100 % why they closed it. So i applied for a new one under my name again to replace the closed $ XXXX XXXX credit with no balance and very rare used it only for monthly deducts for my home insurance. I called the XXXX XXXX XXXX and spoke to the XXXX dept. and advised the entire case. The XXXX was very understandable and he told me that he would send it for a second review and he saw the entire case vert well and was worth 100 % approval. So XXXX XXXX XXXX : deny me for the reason attached to the letter. Sorry I have contacted XXXX per the letter and XXXX gave me my CR and i do not see how they got that information.

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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After receiving several harassing phone calls from XXXX XXXX XXXX I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not XXXX XXXX XXXX - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
capital one- XXXX I have received repeatedly phone calls all through the day ( robo ) recorded calls the name is XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  THERE WERE MORE PHONE CALLS THAT WAS CALLED REPEATEDLY I WOULD NOT HAVE ROOM TO LIST THEM ALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing ( SLS ) services my mortgage which is owned by XXXX. I had a temporary interruption of my income ( lost my job ) in XX/XX/2018 which rendered me unable to make my mortgage payment in XX/XX/2018 to SLS. On XX/XX/2018 I submitted a request for mortgage relief ( RMA ) to SLS, requesting that the missed payments be added to my loan principal and that my account to be re-aged in anticipation of regaining the lost income ( which I have now ). Subsequently, I received from SLS a notice of default and their intention to foreclose. SLS requested additional documentation, beyond that which was submitted with the original application, from me which I submitted per their instructions on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 I received a notice from SLS admitting that they had not evaluated my application claiming they did not receive the documentation I provided. On XX/XX/2018 I requested escalation and reconsideration of my application from the Customer Care Manager ( XXXX XXXX ) ; to date I have received no response. On XX/XX/2018 I requested escalation and reconsideration of my application from the Vice President Customer Experience and Executive Services ( XXXX XXXX ) ; to date I have received no response. Finally, On XX/XX/2018 I requested escalation and reconsideration of my application from the Chief Operating Officer ( XXXX XXXX ) ; to date I have received no response. I assume that they are still in process of foreclosing on my property. We would like to stay in our house and have been attempting to negotiate with SLS in good faith in order to resolve our situation, but they have not responded in kind. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
I received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges. 

A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments. 

I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges. 

I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA. 

So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges. 

EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge. 

I am concerned that this fraudulent bill will negatively impact my XXXX XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Company is not licensed to do business in the state of MD. Please provide license for the state of MD if licensed. Company claims to be a debt collector. Please provide information on who debt was being collected for and proof debt was being paid. Vacate foreclosure and return all money due. According to the Truth and lending, Predatory Lending, DODD Frank until thorough investigation is completed, I've received letters claiming the are the alleged servicer. Please provide information on whom you are servicing and/or collecting/collected a debt for. Meanwhile I will be paying my taxes and insurance. Please provide information on whom property was supposedly purchased from and what legal interest they had in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LCO Financial Services, LLC
State: MS

Complaint narrative:
Blue Trust Loans has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail ( XX/XX/2018 at XXXX XXXX ) stating that her name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXXXXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX Knight Adjustment Bureau My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt Recover Solutions is attempting to collect a debt that is past the statute of limitations and past the 7 year period for Fair Credit Reporting. They are using illegal tactics such as re-aging and ignoring validation attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was a duplicate refund issued by XXXX, but later XXXX said they fixed it, but now my prepaid Visa gift card issued by US Bank is still unusable.

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
On XXXX XXXX, XXXX we requested to the removal of PMI payments. We were told we had not quite made it to 80 % of the loan at this time. This was told to us by a rep as we had to call to find out their answer and a letter sent by ditech. 

We reevaluated our ratio and on XX/XX/XXXX and called to see what instructions we would need to request this again. The rep told us we met the XX/XX/XXXX ratio in XX/XX/XXXX. We followed the directions and sent another letter asking again to remove the PMI payments. They have no one you can talk to other than submitting in writing. We received a response on XX/XX/XXXX denying the request. 

We sent a response back on XX/XX/XXXX to refute their decision as this loan is a conventional loan originating with XXXX which was bought by ditech. Per the homeowner 's act of XXXX we should be eligible. ditech is telling us we have to meet 70 % or loess of current value of the property. Further stated when I called ditech yesterday ( XX/XX/XXXX ) I asked the rep to tell me where it states in XXXX XXXX that this is a requirement as he stated. He could not and said he would have to defer my issue/concern to someone else who should be calling in 1 - 3 days. 

We have made our payments in the last ten years all on time. Per the HPA we meet the requirements. 

Ditech did offer for us to pay for an appraisal but we are under the 80 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX 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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, I am a long-time Chase credit card holder. I have 2 credit card accounts. I pay my bills on time and have no debt. 

My complaint is this : Chase is constantly asking me, via email, and on their website for me to share with them my personal income. ABSOLUTELY NOT. This is very private and personal information. Why on earth would I do this? 

This is clearly geared at targeting me/other customers for services. It fringes on privacy. I am XXXX. This is not right to prey on existing customers. Please make it stop. 

Thank you. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Garcadia Financial LLC
State: CO

Complaint narrative:
This car loan was taken out without my permission. I have not idea who took out the loan. Where the car is > found out that this car loan was showing up on my credit. I took out a police report, sent a letter and a copy of the police report to the company. This is not my loan. I have also retained legal counsel to assist me this problem. This company needs to take this loan off my credit reports.

Company response to consumer: Closed with explanation