vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment # XXXX is reporting a debt I do not owe. This debt was for an XXXX Machine which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am reporting 3 issues I've had. 

The first is my Walmart credit card that I just finished consolidating. I paid the remaining balance of {$95.00} over the phone in XXXX of 2019, however that payment never went through and I received a letter in the mail stating that my balance was past due with the amount of {$100.00} on XX/XX/2019. I called Walmart and paid it off but was waived the late fee and only had to pay {$95.00}. If the payment had gone through the first time a paid for it over the phone, I wouldn't have a late payment. 

The following reports are due to the financial hardship I was going through at the time : My XXXX XXXX credit card had a minimum balance of {$25.00} due on XX/XX/2019. I didn't pay the {$25.00} minimum until XX/XX/2019, which resulted in a {$25.00} late fee and my minimum balance increased to {$51.00}. 

My XXXX credit card payment was due on XX/XX/2019. I made a payment of {$260.00} on XX/XX/2019. This resulted in a late fee of {$27.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I would like to join any lawsuits against XXXX University, XXXX XXXX, Navient and XXXX XXXX. I am a XXXX XXXX student that is being harrassed to pay Navient {$36000.00} for a useless degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Call too much ... not even my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: CA

Complaint narrative:
When signing for a loan estimate with Sovereign Lending Group on XX/XX/2019 I was told I had 48 hours to cancel the transaction. After reviewing the documents I questioned several items via email ( on XX/XX/XXXX ) and didnt receive a response. As the 48 hour deadline approached with no response I requested a cancellation and my deposit refunded on XX/XX/XXXX. This was for a VA XXXX which didnt require an appraisal, pest inspection, or points but I found all of those items within the loan estimate. I specifically told them I would not sign an agreement to purchase by down points but they slipped that on there as well. I heard back from them on XX/XX/XXXX saying they were unable to read their emails and they apologized. They didnt address the cancellation or any questions I had posed to them. Consequently, I ended up having to challenge the charge on my credit card. I just heard from the credit card company and they stated they received a response from Sovereign Lending Group in XXXX XXXX, CA. They are reviewing their response but it appears Sovereign is trying to keep the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased a vehicle in XXXX, Wells Fargo Dealers Service financed this vehicle for me@ 10.99 % these payments were {$420.00} for 72 months. Wells Fargo claims I still owe money on this account. I have the payment history provided by Wells which shows all 72 payments being paid along with all late payment fees paid. Wells refused to release the title an clear up my credit report as paid in full. 
I have been to the local branch of Wells Fargo to no avail. After making several attempts to resolve this issue. I turned to the North Carolina Attorney Generals office. They sent Wells 7 letters requesting a response Wells sent a letter saying I owe but with no real explanation has to how they came to this amount. Again Wells still hasn't proved that I owe any money. I have ask Wells many times to show me how they come to this balance of {$460.00}. As of today XX/XX/XXXX, I still haven't received the detail information as to how the come up with this amount. 
Now using the very payment history they recently sent I calculated all the interest and came up with more interest paid than what my contract indicates. I was suppose to pay over the term of my contract. While doing this I noticed that the interest varied from month to month. I know that the interest is normally higher during the first months. But as time goes forward the interest starts to decrease but per my payments there is no constant decrease. They are all over the place ... Ex ... XX/XX/XXXX ... {$420.00} ... {$89.00} principal .... {$330.00} interest ... ..This is one of the many issues Wells not  doing their job ... ..XXXX XXXX ... {$420.00} ... XXXX {$260.00} principal .... {$150.00} int ... ..XX/XX/XXXX.. XXXX .... {$160.00} principal ... .. {$250.00} interest ... .plus {$10.00} ... other charges ... .These are just a few of many errors ... ... Wells needs to recheck where they put my funds and correct these mistakes. I want and have ask Wells to  send me a detail account as to how they come to there their acquisitions ... .Not send me another letter saying I owe {$460.00} ... I already have that letter ... But knowing what i see from their responses they aren't able to do this ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
ARA called my place of employment twice during the week of XX/XX/XXXX and left threatening messages, stating they have an affidavit regarding a debt I owe, and will forward to my employer. I called on XX/XX/XXXX when I returned to work from vacation. I spoke with XXXX XXXX, who was extremely hostile. XXXX threatened to not only send an affidavit to my employer, but to the company which carries my home mortgage. I told him not to call me. He called me right back on my cell number. I dont owe any collections and dont believe the claim. 

XXXX called from XXXX. He claims I owe XXXX on an auto loan for XXXX XXXX. No account number was provided. He claims the loan started in XXXX and was transferred to different agencies over the years. I dont believe him. I am very easy to locate. My cell number, which is my primary number, has been the same since XX/XX/XXXX. 

If any of the information XXXX is providing is accurate, debts from this time period would have been included in a Chapter XXXX bankruptcy I filed in XX/XX/XXXX, paid and/or fully discharged as of XX/XX/XXXX. In addition, the statue of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management
State: SC

Complaint narrative:
I contacted Plaza Services LLC XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX on XX/XX/XXXX. We made a settlement agreement in the amount of {$3800.00} regarding a debt in the amount of {$6800.00} with the original creditor being XXXX XXXX. 

I made the {$3800.00} payment on XX/XX/XXXX with my XXXX XXXX   debit card ending in XXXX. I was told that the debt would show a status of settled for less than original amount and the account balance would be {$0.00} after Plaza Services ' next credit reporting cycle. 

I checked my credit report today, XX/XX/XXXX. Plaza Services reported on XX/XX/XXXX reflected my payment of {$3800.00} showing that I still owe 45 % of the original debt. 

I called Plaza to discuss why it does not reflect a XXXX balance on my credit report. The manager that I spoke with was very rude and lied to me stating that they had not reported my payment as of today 's date. 

I tried to explain that I was looking at the report while speaking with her. I asked why she was rude every time I spoke with her while trying to resolve a debt. Her response was that I was simply not getting the answers I wanted to hear. When I tried to explain that she did not answer my question she said " OH MY XXXX ''. I informed her that my calls were recorded and she hung up on me. 

I resolved multiple debts with other creditors the same day as Plaza services. I was never spoken to or treated negatively by any other creditor the way that I was by Plaza services. 

I have documentation of payment in the amount of {$3800.00} as well as proof that they did report on XX/XX/XXXX and that they did not honor the settlement agreement. I also have all calls recorded of communication with Plaza services. 

I am also filing a complaint with the FTC regarding FDCPA violations. I will forward the complaint number when I complete the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My home loan was being service by Seterus. Seterus was purchased by a company called Mr. Cooper. Mr. Cooper sent me a letter stating that my loan modification with Seterus would not change. I received a online text from Mr. Cooper saying that my XXXX payment will be XXXX more each month. I called and was told that my escrow amount is low. I ask how did this happen. I've been with Mr. Cooper for almost a year now. I told the loan agent at Mr. Cooper about my modification and the letter stating nothing would change my loan modification. I did not get a letter a call about the increase. I notice the increase as I was making a online payment. The information was noted on my account. I think something that is important as a XXXX  a  month loan increase should be sent ASAP and stated with great urgency and highly visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Approximately between XX/XX/2019 and XX/XX/2019, I noticed suntrust has been manipulating transaction to occur over drafts fees, they will re arrange transaction in different orders and sometimes not posting old transactions in the order of purchases that they occurred, Sun-trust will occasionally not debit my account when i make a purchase, so when i log in to my account it will appear i have plenty of funds to use. 

I also noticed when i made several direct electronic payments to cover my balance, Suntrust would not post those direct deposits as if i never made them, i believe they did this to have my account overdraw and then after it has overdrawn they will allow my electronic payment to go through days later, i did call Suntrust about this issue, then i was told it will be corrected. but this continued to happen. On XX/XX/2019 i was hit with 5 over draft charges in 1 day each of those charges are {$36.00} totaling {$180.00} in 1 day of overdraft fees. Which is due to their fraudulent tactics. 

Suntrust is committing fraud, by manipulating transactions to occur overdraft fees and i'm a victim along with others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
A major fraud incident occurred in 2017 my original claim was excepted and then told me to go through and mark all the fraudulent activity and there was in my business account and personal. I immediately went into the branch and began my claim with an branch associate and we completed a portion and submitted it to get me a little breathing room to then continue the entire claim. Over the next months Wells Fargo decided I needed to re do the claim and re submit. After filling the claim Wells Fargo proceeded bill automatic payments putting me further in debt. Over the next year I was given the run around and told to re do re submit every time. Finally after nearly a year they offered me XXXX dollars to compensate since to much time had passed to award me my claim that they said was valid but to late due to them not excepting my claim over and over. I asked repidiatly for my statements on both accounts and the business account I never received the claim was worth over 25,000. I am now destitute and trying to rebuild my life at XXXX years old and been a Wells Fargo client for over 20 years and this is how I was treated you can look at my account and see the Freud clear as day please help me out I dont know who to turn to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Lvnv Funding XXXX claimed they took over my debt from XXXX XXXX credit card. Multiple times I have been called and I asked for the. To send me proof of bill. If I owe I would make pmt arrangements. I never received anything. Today my house member called me and stated I got served. It is {$820.00}. I do not want yo have to go to court. I just want proof!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
On XXXX XXXX we closed on our home and Planet Home Lending is our mortgage company. At closing we received {$2200.00} from seller to pay the property taxes from XXXX. In XXXX I received a letter from the county saying we didn't pay our taxes for XX/XX/2018 and sent us a bill for the whole year. I immediately called Planet Home Lending and talked with our loan officer XXXX XXXX to try to get an answer on why this was the case since we received the credit from the seller and have been making our mortgage payment every month on time, with {$560.00} going into our escrow account to pay taxes and insurance. They told us they didn't know but we had to pay the taxes and that they are taking all the money out our current escrow to pay the taxes! Also that our mortgage would go up {$270.00} a month because now our escrow was delinquent. We sent numerous emails and called numerous times to try to get this resolved, they would only send us letters stating they were looking into our account and they kept extending the period of resolution. They finally reached out now and told us that they would refinance us with a lower percentage rate but are charging us {$5000.00} in fees, some duplicated from what we already paid in XXXX and then they try to make it better by saying they will give us {$2500.00} in lender credits. No matter how I look at this it just doesn't make sense or add up. They clearly made a mistake and admitted to it and now trying to get us to rush and sign the refinance paperwork. I don't know what to do at this point, I don't trust that they have our best interest at hand. We can't afford this increase and feel we shouldn't have to pay for their mistake but also feel like the refinance is just benefiting them and charging us for their mistake.David told me that his branch manager would be handling our case his name is XXXX XXXX, I have called him and he told me someone else would call me back. So then this guy named XXXX XXXX sent me an email about applying for a loan?! I called him and he had no knowledge of our account or the issues that they have caused with our escrow account! They are completely ignoring our complaint and their mistake! This is ridiculous and they should not be in business! I have all emails and correspondence saved and can produce if and when necessary.

Company response to consumer: Closed with explanation