vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This debt was paid a while back. At that time I was told that this would not reflect on my credit file. I applied for a home loan pre-qualification today and this came up on my credit report. I have been in the process of rebuilding my credit over that past 2 years. I take my  credit score a nd report very serious. I do not want this from preventing me from getting pre approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I 'm trying to pay off my student loan completely this year. Every chance I get I try to pay off a little more than monthly needed. I called in to pay with my credit card and they rejected me and said they passed a new law in  XXXX  stating we could n't pay with credit cards. No one made me aware, there were no notices sent out. Paying with a cc is convenient being that I pay off my credit card every month. Another thing is putting in your banking info  I or der to pay a loan should not be allowed it 's an invasion of privacy. I want to be able to pay whichever amount I want with any available options with that being credit, debit, or check. I am very unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiMortgage somehow became the " mortgage '' holder on my VA loan, possibly/probably illegally, because of illegal title transfer activities. They ignored and violated the original Trustee Rights granted with my initial mortgage/purchase with the VA on  XX/XX/XXXX . In late  XXXX , early  XXXX , I had some financial strains and got behind on my VA loan b y 5  payments. In  XXXX   XXXX , I submitted a certified funds payment to CitiMortgage, which was promptly refused and returned to me. Concurrently with the payment, I made numerous attempts to work through their loss mitigation process.  ( See CFPB  XXXX CitiMortgage Consent Order fo r an example of their " practices '' ). I calle d CitiMortgage los s mitigation fo r 30 s traight days in a row, from  XXXX   XXXX  until  XXXX   XXXX ,  XXXX  and submitted hundreds of pages of " requested/required '' documents. The failed attempts to use their " process '', which was very unfair and deceptive, led to them ultimately foreclosing on my VA loan on  X/X/XXXX , which I feel was their plan all along. This action was illegal by its process and I immediately retained a lawyer and sued CitiMortgage. To date, I have spent over {$75000.00} on legal fees. CitiMortgage had no standing and as it turns out, may have acted on their own and without the consent of the VA. The VA actually and currently owns the home, as can be seen on the  XXXX   XXXX  and the transfer of title, where the VA paid {$10.00} in compensation to CitiMortgage for my home ( copies submitted with this complaint ). In an email ( included with this complaint ), a lawyer representing CitiMortgage offered to transfer the title to me for {$180000.00}. When I pointed out in a reply email, that this offer was illegal and violated numerous Tex as Real Estate laws and could be considered extortion, the offer was withdrawn. We still live in the home. CitiMortgage is now trying to evict u s for a 3rd time, again illegally, because of no standing. I am fighting this eviction and the initial foreclosure and the bullying tactics brought against me by CitiMortgage, but I am sure that I am not alone in this fight. Based on their action with me, I can only assume they have and are still, victimizing numerous other Veterans in the state of Texas. I am working with the VA, the actual owner, to stop the eviction and revoke the foreclosure through the  XXXX   County Court s ystem and The Texas Attorney General 's office, complaint #  XXXX ,  XXXX  of  XXXX  current active complaints against CitiMortgage in Texas. The VA has been very helpful since the transgressions by CitiMortgage have been reported to them by me and I do believe the VA was unaware of the tactics and actions that CitiMortgage was using against me. The VA does not want to hurt Veterans.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that  XXXX  was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
My payments are being made as they wised. I only owe a little over 1000k $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc.
State: FL

Complaint narrative:
XXXX  from  XXXX   XXXX   XXXX  in the amount of {$1000.00} was place on my credit file as a derogatory item. Spoke with  XXXX   XXXX  today at  XXXX  EST and they have admitted the error due to filing the claim with an incorrect policy ID prefix. They state th at 3 notices  were sent to my current address ; however I have no record of them.  XXXX  has also stated that although this was their error, and the claim will be submitted and paid, that it will not be removed from my credit report. This derogatory item has deducted several points from my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
National credit systems has lied about there availability to settle my debt! The company has refused to come to a settlement or agreement to reduce the cost and has refused to agree on a pay to delete agreement! They state they can not do this which is a lie. They have refused to escalate the issue to management, hung up on me repeatedly and have refused to call me back or email me back! I have already opened a case with BBB and looking for help from the attorney general as well and they have been unable to resolve my concerns!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Who m It May Concern, Re :  loan number  XXXX  wit h Wells Fargo, I have sent a certified letter to Wells Fargo  on  XXXX   XXXX  and they have received it a   XXXX   after. In my letter I advised them that I have, at least   XXXX   times, calle d (   XXXX  ) and e-mailed to the commercial servicing as advised in the notices about the insurance matter since  XXXX . One time on  X/X/XXXX  I spoke to a man which I forgot to ask for his name who said everything looked fine, the other time I spoke to a lady name  XXXX . And my insurance agent  XXXX  called and spoke to a man name  XXXX  because I kept  receiving notices stating I owed mone y to Wells Fargo du e to the fact I do n't have insurance ther efore Wells Fargo force d to purchase one for me. This issue seemed to be a problem every year when I renew my insurance for this loan number on property located at  XXXX   XXXX  &amp;  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Ca.  XXXX . I have renewed insurance on this property in  XXXX   XXXX  under policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX  and policy number  XXXX  with  XXXX   XXXX   XXXX  for  XXXX   XXXX   XXXX   XXXX . These policies will be expired in  XXXX   XXXX . My insurance agency is :  XXXX   XXXX   XXXX   XXXX   XXXX , phone number  XXXX  has provide d Wells Fargo wit h both policies on  X/XX/XXXX . Regardless, I kept receiving letters showing current insurance due of { XXXX } is due  XXXX   XXXX . My question is, why would they have to buy insurance for me while I already bought mine and my insurance, just like in the last  XXXX  years, provided to them? why did n't they get back with me or my insurance agent as they said after many of my phone calls, my insurance agent phone calls and emails? and kept sending notices stating they will have to buy insurance for me? when I sent them the last letter I also attached with it copies of my policies, and asked them to get back with me. They never did. Instead send me a new bill for the insurance. I 'm very frustrated w ith Wells Fargo. This lend er is really a worse lender and unethical conduct, unscrupulous and no professionalism.   Please give me your hand, please help me.   Thank you very much.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca.  XXXX   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 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered shades from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   , CA. I provide d my  Chase  credit card info for half payment. The shades do not fit as promised and are defective. Without authorization   XXXX   XXXX   XXXX   made a second charge for the balance on the contract despite the defective products and installation. Thus, I disputed both the initial  Chase credit card charge ( as defective ) and the second Chase credit card charge ( as unauthorized ). Despite numerous calls and  emails with Ho use of   Blinds, the matter is still not resolved. Despite my secure emails and calls to Chase, Chase " rebilled '' the  second charge because " it was  not a duplicate '' ( a mischar acterization of the dispu te ). Chase makes it e xceedingly difficult to dispute unauthorized charges and to dispute defective product/services. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my personal Equifax credit report i noticed several inquiries on my credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and spoke with XXXX who refused to help me and stated it was a " statement of fact '' which is NOT TRUE because I did not authorize this. I then proceeded with a letter to Equifax and again was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. 1. XXXX XXXX X/XX/17 2. XXXX XXXX X/X/17 3. XXXX XXXX X/XX/17 4. XXXX XXXX XXXX XXXX X/XX/17 5. XXXX XXXX XXXX XXXX X/XX/17 6. XXXX XXXX pulled TWICE on X/XX/16 7. XXXX XXXX XXXX XXXX X/XX/17 8.  XXXX XXXX XXXX X/X/17 I have noW locked my credit reports until I am ready to utilize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am the personal representative of my aunt. I was trying to continue to pay the mortgage on my aunt house during the probate process . Wells Fargo c ontinues to make withdraws on a closed  XXXX  account. I have tried to stop the automatic withdraw on  the Wells Fargo  mortgage from the  XXXX  bank account, but I have talked to at lea st   XXXX    diff erent people, and the process to get the automatic withdraw terminated is taking over  a   XXXX   XXXX   XXXX   XXXX  .     The details follow.   The first part of  XXXX , I contacted  Wells Fargo a bout haveing them stop automatic withdraw on my Aunt mortgage since s he died   XXXX   XXXX  this year and her account at  XXXX  had been closed. I was told by  XXXX ?? that I needed to send a copy of a  death certificate , and then go to  XXXX  Indiana personal ly ( this  is over  an hour and a half fro m  XXXX  ) to have my identity certified. I faxed t he death certificate  at  XXXX     that  XXXX .    On  XXXX   XXXX , I received a letter from  XXXX   XXXX  addressed to the Personal Representative of ( MY AUNT ). Then the letter as ks if ( My Nam e Spelled out ) have the PR permission to talk to in essence, myself!     Then received a letter from  XXXX   XXXX  on  XXXX   XXXX  which asked me to send my letters of testamentary.   I received a call from  XXXX   XXXX  and I returned her call but she was not available so I talked to  XXXX   XXXX . He was nice and helpful and confirmed that they had received t he Death Certificate.  He let me know that then we only needed to send the letters of testamentary and that someone would ca ll in  XXXX  h ours. I faxed the letters of testamentary on  XXXX   XXXX . I called  Wells Fargo  on  XXXX   XXXX  and left a message with  XXXX   XXXX . She said in her message that she would call back in    XXXX   hours.  It is Thursday,  XXXX   XXXX . She has not called.   Since  XXXX  was not available, I tried to talk to someone else. He said that they did not receive my letters of testamentary yet and that it takes a week to attach the letters. That was over  a week    ago and that he still could talk to me. This phone call laste d  XXXX  minute s.   I called  XXXX   XXXX  today. She said that she had my paperwork but still could not talk to me because of some excuse.   Mean while, Wells Fargo continues to withdraw money from a closed bank account and is not able to talk to  me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: AR

Complaint narrative:
My student loan has been bounced all over heck and back and now on my credit report fed loan servicing center has reported things incorrectly my student loan was transferred to   XXXX   XXXX   XXXX  / XXXX , that is who I have been paying and montoring, after reviewing my credit report and making  7 d ifferent phone calls and no one making heads or tales of my information and being transferred/sold to another lender fed loan servicing is part of the  XXXX   XXXX   XXXX   XXXX   same as  XXXX . fed loan servicing needs to remove the their information from my credit report it is the same as the information  XXXX  is reporting. its been 16 years since fed loan servicing started reporting, I want the information removed and after all the phone calls no one seems to know who I need to contact to have it removed, I have disputed the information on   XXXX   and its getting me no where the numbers given as contact for this account is where I started ... im very frustrated and want this handled and removed form my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
To date, I 've not received any invoices or payment requests from this collection agency, only copies of a hospital statement and a copy of my drivers license and signature. I have credit reports from as far back as  XXXX , each clearly showing that they never reported this " collection '' in  XXXX , as they claim they did. I suspect that is because they NEVER made any " collection '' effort, NEVER contacting me at all. I 've found that I am not alone in my grievance, my case being mishandled along with hundreds of thousands of others. This is evidenced as per your  XXXX  lawsuit,  File No.   XXXX , to which I would like to be added as a plaintiff. Aggravating my situation and possibly in response to your lawsuit order to put procedures in place, their lack of diligence with regards to their client ( and me ) was discovered. I 'm certain they decided they 'd best do something to justify their billing to my hospital, even if it was wrong. Hence their  XXXX  erroneous reporting of a nonexistent " collection '' effort more than 5 years after the date of service. I want this removed from my credit and / or to talk with someone from CFPB regarding a lawsuit of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC
State: ME

Complaint narrative:
I was charged  XXXX  by The Student Loan Help Center to act as my " Limited Power of Attorney '' in expediting the transfer of my debt from  XXXX   XXXX . My original understanding of what was to transpire, and why I was paying them {$990.00}, was they would be transferring my debt and I would then be paying them back my debt, rather than  XXXX   XXXX . Basically, refinancing my debt to The Student Loan Help Center. Once the process was completed my debt was transferred to  XXXX   XXXX . I started to make my new payments to  XXXX   XXXX  and noticed my principle was not decreasing. I called  XXXX   XXXX  and questioned the payment plan and inquired why my principal was n't deceasing. Through my conversation with  XXXX   XXXX  I advised the representative I had paid {$990.00} to have my debt transferred to them. At which point he told me  XXXX   XXXX  would never charge a client to have their debt transferred and " no one should be charged money for a service when it comes to federal loans. '' He recommended I reach out to the Consumer Financial Protection Bureau to attempt to get my money back. He also advised not only should I not have been charged, but {$990.00} was completely unreasonable to have a help center fill out some paper work on your behalf and that  XXXX   XXXX  would not have charged me anything. At this point I was shocked and outraged to know that I could have just gone through  XXXX   XXXX  to begin with and not had to pay {$990.00} to basically have paperwork completed. I 've been through this process before when I refinanced my private loans through  XXXX   XXXX , and they did n't charge me anything to have my debt transferred. I was under the impression and the extent of my understanding was that I was paying The Student Loan Help Center to take on my debt and I would be paying them back and that 's why there was a charge of {$990.00}. At no point was this process explained in detail that The Student Loan help center was just a servicer to have my debt transferred to  XXXX   XXXX . If I had known that I would have just contacted  XXXX   XXXX  directly and go through the same process I did when I refinanced my private loans with  XXXX   XXXX . {$990.00} is a rip off for such a service and is almost a years worth of payments on my student debt! I would understand this charge if The Student Loan Help center was the servicer taking on the responsibility of my debt, but that was not the case. The Student Loan Help center should have just told me what to do in order to have  XXXX   XXXX  assist me with transferring/refinancing my debt, and charged me maximum {$100.00} for the professional advice.

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