vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.

# 1 statement with closing date of XX/XX/XXXX shows -.XXXX  credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.

Payment made XX/XX/XXXX for {$64.00}.

# 2 credit return XX/XX/XXXX -XXXX   with closing date XX/XX/XXXX shows balance {$91.00}.

Payment made XX/XX/XXXX {$91.00}.

# 2 closing date XX/XX/XXXX shows balance {$120.00}. 
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.

All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00}

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 monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
1.On XX/XX/XXXX I physically signed ( ink signature ) to purchase a used XXXX XXXX 2.Within a week the XXXX XXXX broke down on the highway 3.I immediately notified ( seller ) XXXX XXXX XXXX, XXXX, NC ( XXXX ) and told me to tow it to my home and XXXX will tow the vehicle with their mechanic & fix the problem. 
4.While vehicle sat for a week, I had a mobile Co. conduct a diagnostic. Results : rear brakes on driver-side were metal to metal and needed to be replaced, also clutch was not functioning, slve cylinder needed to be replaced, also nut that holds shifter mechanism down was broken and someone tried to weld it back and would need transmission to repair it. 
5.On XX/XX/XXXX the XXXX XXXX was finally picked up by XXXX XXXX XXXX 6.In the interim, I had to rent vehicles to go to work etc. 
7.XXXX, offered a vehicle in which they came unannounced to took the loaner due to them closing down abruptly. 
8. On XX/XX/XXXX, with my XXXX XXXX in their possession stated they were closing and I will need to pay their unknown mechanic the repairs. 
9. I requested for XXXX to furnish a Mechanical Vehicle Report, location and status on the vehicle. I received nothing but back and forth confirmation from unknown reps upon XXXX closing. 
10. Please note : I received harassing phone calls from " XXXX '' a sales agent with XXXX that was never licensed to sell in North Carolina. 
11. Since XX/XX/XXXX, XXXX and their mechanic was never seen and my vehicle I never had in my possession to date. 
12. I informed Credit Acceptance about this entire ordeal and Credit Acceptance the lender stated they conducted an investigation on-site after XXXX closed and they did not confirm nor provided me details results of their investigation such as date, time, agent who investigated this Auto Fraud etc. 
13. In return, to date have accumulated bad credit reporting from Credit Acceptance, no vehicle in possession, no information from XXXX owner about the location of my vehicle, the NC attorney general office did not even receive a response from XXXX owner referencing my complaint, Credit Acceptance never to date confiscated / repo the vehicle nor did they conduct any investigation referencing my complaint. 
14. I am currently receiving harassing calls from unknown numbers.

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 2018-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Services ( SPS ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/XXXX, SPS stated, " Lenders Placed Insurance In your inquiry, you question SPS adding Lender Placed Insurance ( LPI ) to the account. SPS does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from SPS dated XX/XX/XXXX and received XX/XX/XXXX, SPS states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to SPS they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. SPS continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: MD

Complaint narrative:
In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that XXXX update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with XXXX but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES

Complaint narrative:
COMPLAINT AGAINST : XXXX XXXX XXXX XXXX XXXX, XXXX, WI. 

Great Lakes are the servicer for six XXXX federal student loans in my name, taken out between XXXX and XXXX, and two XXXX  federal student loans in my name, taken out in the summer of XXXX. 

Since XX/XX/XXXX, I have been in monthly contact with Great Lakes regarding discrepancies in my balances for which they can not ( or have not ) account. 

In early XX/XX/XXXX, I noticed the balance on one of my XXXX  loans, token XXXX, had changed, so that the principal amount had reduced from {$21000.00} to {$20000.00} ( the original amount borrowed ), and the interest balance shot up from around {$240.00} to {$1200.00}. 

I first called Great Lakes on XX/XX/XXXX. I was told my account was under review and I would have to check back later in the month. Several times over the course of XXXX, I called back to investigate this, and I was told each time that Great Lakes had " corrected an error, '' but they could not provide me with any further detail. 

Between XXXX and today ( XXXX XXXX ), I have made {$1900.00} in payments to the loan account containing token XXXX, overpaying each month by an average of $ 400- {$500.00}. I had instructed Great Lakes to apply any excess amounts to token XXXX. By my calculations, I had reduced the {$1200.00} interest balance on token XXXX by {$940.00} as of XX/XX/XXXX. 

Yesterday, I checked my Great Lakes online account to see that the principal balance of token XXXX had returned to {$21000.00}, and that the interest balance remained at {$220.00}. My overall principal balance had increased by {$830.00}, without explanation or notice. 

I called Great Lakes today, XX/XX/XXXX, and spoke with XXXX, who told me that all of their records from XX/XX/XXXX onwards list my principal balance as the higher number. 

I have payment records from Great Lakes issued between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that directly contradict this statement. I feel Great Lakes are being fraudulent as regards the amount I owe, and I believe they have retroactively altered their records to support this predatory conclusion. I am deeply troubled that this company apparently has the authority to alter my total principal balance ( either increasing it or decreasing it ) without my knowledge, consent, or, apparently, any regulatory oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I paid the debt now Im getting debt collection letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: RELIABLE FINANCIAL SERVICES, INC.
State: PR

Complaint narrative:
Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, Puerto RIco. I am the owner of a white XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX . The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over Puerto Rico, XXXX XXXX XXXX was one of the companies in Puerto Rico that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( XXXX XXXX, XXXX  and XXXX  ). 

Today, Monday, XX/XX/XXXX, I received a message from XXXX XXXX indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. 

Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It I s with great devastation and confusion that I am writing to you regarding the inconsistencies of Wells Fargo. 

I had requested various times a work out plan that will benefit us all. Wells Fargo has made previous decisions and calculations that were incorrect.. Never any explanations or concern of my circumstances. I requested on XXXX XXXX that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job over 8 months. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. 

In 2013 I suffered a XXXX injury resulting in XXXX XXXX XXXX. as a result of the injury. 
I could not work and was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed XXXX people I have XXXX children. Please understand that this is our only shelter. 

I have presently taken distinctive steps to better our finances .I am certain my financial situation will continue to improve .I have provided several packages to Wells Fargo to no success. They are now refusing to review my file. I need for you to please reach out to them for they are not helpful.

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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is the 5th time trying to correct this. Company states I owe {$710.00} from XX/XX/XXXX. I've asked repeatedly ( through CFPB, Direct Dispute, XXXX ) to get a signed copy of the account opening documents to verify that this debt is in fact not fraudulent in nature, to date I have not received this documentation but the " debt '' still exists on my credit report. The company did provide a statement showing {$710.00} in arrears on a {$300.00} credit limit ( I still do not verify I know this debt ). Based upon the data that may or may not be factual, default would have occurred in the middle of XX/XX/XXXX. None of the " facts '' can be verified, I demand signed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: WA

Complaint narrative:
In XX/XX/XXXX, I attended XXXX University after my mother signed up for my Student Loans. We learned of XXXX University through T.V ads that targeted low income XXXX and minority communities with false information about degree plans and rates of success with jobs. 

At this time in XX/XX/XXXX, I still remain in debt due to Student Loans provided to XXXX University, along with debt on my Student Account at XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I noticed my homeowner 's insurance had not been paid by my escrow account at RoundPoint even though the insurance bill was due on XX/XX/XXXX. I called the company to remind them to pay the bill. A customer service agent said they would send it out the next day. Seeing it deducted from my escrow account on XX/XX/XXXX, I assumed it went out. Later the next week, I received a letter from RoundPoint stating I had no evidence of insurance and that I might be given another insurance policy at a higher price through them. I called to inquire and they said the letter was sent " in error. '' I've had the same insurance policy the entire time of the mortgage. There should be no confusion on when bills are due or where money is to be sent. On this last call, they said the check was sent out in a bulk check on the XX/XX/XXXX( not the XX/XX/XXXX that they originally said ). As of XX/XX/XXXX, the insurance company still has not received the check and my policy is being cancelled due to nonpayment.

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 2018-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Payments on higher principle loan groups frozen due to forward payment of loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have lived in our house since we built it in XX/XX/XXXX. We have paid off a second mortgage in full, paid property taxes and homeowners insurance on time and in full with no escrow account. We have NEVER been late or missed a mortgage payment. Since OCWEN became our mortgage servicer, we have encountered nothing but problems. 

On or about XX/XX/XXXX I received a call from OCWEN stating that they were offering a service to mortgage holders in good standing who have owned their home for over 15 years. They were going to pay the taxes and insurance for calendar XXXX and apply those payments to the back of our mortgage. When I asked what the catch was, I was told there would be no catch, this was a company marketing effort to enhance good will with our customers. 

While I was HIGHLY suspicious, and should have know better based on my earlier problems with OCWEN, I agreed to the promotion. 

As I expected, OCWEN did not do as they promised. Our taxes were due on XX/XX/XXXX and were not paid. I called OCWEN and was told that tax payments were paid in bulk and there are times when the county doesn't apply the payments in a timely manner. I was told to " rest easy '' as the taxes had been paid. 

On XX/XX/XXXX I called the XXXX County Tax Office and was told that the taxes had not been paid. I again called OCWEN and was told that they had been processed. 

OCWEN finally paid the taxes on XX/XX/XXXX. Penalties and interest were assessed as the taxes were paid 145 days late. I again called OCWEN and was told that it was a clerical mistake at XXXX County and that the original payment had been returned. I called XXXX County and was told that the only payment associated with my property was received on XX/XX/XXXX. 

I've been fighting with OCWEN over this " good will '' marketing plan ever since. They stopped applying my mortgage payments to the loan and started applying them to the past due balance. They now say that I am in default and are attempting to foreclose. 

I am requesting any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Last week I received a phone call from my parents who live 500 miles away. They indicated they received a letter from XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and it indicated a owed a debt from XX/XX/XXXX, which was a result of a parking ticket. The letter indicates I have 30 days to respond prior to taking action. 

My issue is that the debt is too old to be collected as California statute of limitations on debt is 4 years and 4 years had passed prior to the date the Notice was sent to my parents house. The debt is so old that it creates prejudice in my defense of the debt, since I don't even remember where and what I was doing on XX/XX/XXXX, I don't own the car in dispute, and there is no way I can recollect enough detail to provide an adequate defense. Finally, the letter was sent to the wrong address. If my parents had not called me, i would have no idea this was happening. Notwithstanding my parents notifying me, sending the letter to the wrong address has significantly shortened the time of which I can respond.

Company response to consumer: Closed with explanation