vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX  XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Haas issued me a credit card with XXXX limited. I was going on vacation has only XXXX available. I had made some small purchases.to assure room on the card for my hotel and rental car I paid XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX then XXXX on XX/XX/XXXX which wasn't total balance. My payment was verified by capital one twice. And cleared and collected by them in the XX/XX/. However they placed a 4 day hold on my account after they verified payments. This was not delivering a service level promise of hassle free timely accounting. I pay a XXXX dollar annual fee and additional fees in interest rate for my service..these fees should be refunded if there not going to issue me the credit promised in exchange for said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
ever since ditech took over my loan I have had nothing but headaches with this company. I was sent an escrow surplus check on XXXX for XXXX. I e-mailed ditech in XXXX to apply the check to my escrow. It is now XX/XX/XXXX and they still have not done so. Then I get my mortgage bill and ditech said I was short XXXX and raised my house payment. I keep getting form letters in the mail but no one is fixing the problem. 2nd complaint in XXXX they took my taxes out in the middle of the year, I filed a complaint with y'all they told you they had fixed the problem well they lied they never fixed it and turned around and did it again in XXXX ditech says on their web site they collect taxes 20 days before due date. The due date for taxes in XXXX NC is XX/XX/XXXX. They sent me an e-mail in XXXX saying they had paid my taxes so I went to the tax office my taxes had not been paid. And ditech proceeds to tell me that I was short. Well duh! If they had taken my taxes out like they were supposed to I would not be  short. The ditech check was a XXXX XXXX  XXXX check. ditech is a predatory lender. They also gave false information on my XXXX form. They say they have had my loan since XXXX, which is false.They tell me they have paid out my taxes and insurance when in fact they have not they change the dates to reflect something else. They sent me an e-mail that taxes were paid in XXXX and then I get an escrow statement that says they were paid XX/XX/XXXX which is not true. They do this in order to make looke like I was short and to raise my house note. Where I come from that is called stealing. Something needs to be done about this company they are crooks and commit mortgage fraud on a daily basis then lie and say they have fixed the problem which they never do. There are so many RESPA laws being brokenand no one is holding ditech responsible. If call them on the phone they talk in circles which I thought they were supposed to fix the last time the attorney generals office took them to court. They are not abiding by any of the mortgage laws. Now I pay my house payment on time every month. I DO MY PART make them responsible for their part and just because they tell you they have fixed the problem they really haven't and your office needs to check up on them to make sure they have followed through NEVER take ditech 's word for anything.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eltman Law, P.C.
State: PA

Complaint narrative:
In XX/XX/XXXX, my bank account was placed on a hold and showed a XXXX balance. After contacting the bank and getting more info, a collection agency who I guess is a law firm stated I had to enter into a payment agreement in order for my bank account to be released. I entered into an agreement and have been paying ever since. I received a letter dated XX/XX/XXXX from the law firm stating I need to make a payment. I went online to make the payment and it failed. I called the lawfirm and they stated they are closing and sent the account back to the original collection agency. I called the collection agency, they then sold it to another agency. I have been paying since end of XX/XX/XXXX on this account and now the I have no paper work stating the changes that have taken place and I have no idea what happens with all the money I have already paid. I still have not received anything on paper showing any of these changes. What should I do now?

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PR

Complaint narrative:
I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on my credit report.

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 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.

I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.

I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
On XX/XX/XXXX I initiated a transfer online to send {$500.00} to my girlfriend in XXXX. I used the option to pull the money directly from my bank account rather than using my debit card because the fee was slightly cheaper. Total cost of {$510.00} was removed from my account. Using the tracking number we could see it was available for pickup. But when my girlfriend went to pick it up on XX/XX/XXXX she was denied and there was a hold on the transfer. 

I called Western Union and they told me they couldn't make the transfer. Then they said they could and gave me a new tracking number. But it also was denied when she went to pick it up. I called again and they said they would refund the money to me but that I had to pick it up myself. They gave me a another new tracking number. I told them I can't go to a western Union as I'm in XXXX XXXX, XXXX, XXXX. One rep said I could pick it up whenever I get to a location and one said it's available for 45 days. I am not and will not be near a western Union for who knows how long. Picking up the money is just not possible. 

I asked why they can't put the money back in my account the same way they took it out and they said it was because it was a cash transaction. I told them no I did it online. They still said I had to pick it up in person. I told them again where I am and that I can't go pick it up. I asked if my mom could pick it up but they said they can't change the transaction at all. 

On XX/XX/XXXX one customer service representative told me she could put in a request to transfer it into my bank but that it probably would not work. It didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX is reporting my current auto loan from Honda as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: AES/PHEAA
State: CT

Complaint narrative:
My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX continue to call my business phone number trying to collect a debt. They call from several different numbers and continue to do so after I block their numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL, INC.
State: CT

Complaint narrative:
In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It's shows under a hard inquiry with transunion that I have a current XXXX account. I do not, and even confirmed that by calling XXXX. I can't get through to transunion via XXXX XXXX to have it removed. Please help in any way as I am trying to repair my credit the best I can. 
Sincerely, 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 2018-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient has been raising the interest on the account to unethical amounts. I have been paying more than minimum payments since 2010, and have only reduced from the principal amount on my private loans by about {$400.00}. Their tactics are designed to keep you stuck and paying them your whole life. Preying on individuals who can't afford to pay off in lump sums or have good enough credit to refinance is a core problem with major finance companies. Another bubble is being created and companies like Navient are the catalyst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorize for my credit to be pulled. I have tried to resolve this with the consumers but the customer rep. was not willing to help me remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/XXXX 3x {$20.00} charges made on a card we do not physically have and thought we had closed. we had not used the card in over 2 years. XXXX was at work and I was out of town when these charges were made to XXXX, so neither of us had access to a computer and know nothing about this website. We would not have use for online gaming purchases since we do not game online. We disputed the charges on XX/XX/XXXX by calling, filling out a fraud report. We do not have the physical cards or an online banking with Capital One. They closed our account. I called XXXX, our " investigator '' at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and left messages since he has not bothered to call us back. We have sent a written response 3X, 27+ pages, and have not received any acknowledgment of these 3 written letters. XX/XX/XXXX we received a letter stating we were responsible for the charges, {$20.00}, {$20.00}, {$20.00}, {$25.00} late fee and {$1.00} interest. Capital One re-opened XXXX 's account with a NEW number and have not sent the physical cards. We were not aware that Capital One can open a credit card THAT WE DO NOT WANT. This was done on the XX/XX/XXXX - XX/XX/XXXX statement. We have called, closed the account once, disputed the charges and sent documentation to back up our claims, and requested statements on the account from XXXX - XXXX that we do not have records for. We do not have the physical cards, were not using this account we had thought was closed and have no online banking with Capital One. They have REOPENED a credit card without our permission. Is this even legal? They will not respond to our attempts to contact them. HELP!

Company response to consumer: Closed with explanation