vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
l bought my home insurance and the bank lender of my mortgage was still charging me insurance escrow. So l requested deletion of this escrow and they denied my request. So I they pay on my policy with XXXX 's like they are suppose to since they had been collecting escrow and again they did not. Since l had instructed the insurance company to submit the bill to my lender for continuous on the policy, and when my lender failed to pay the bill accordingly like they were suppose to in a timely manner, l was again notified by XXXX 's XXXX to pay l did. Unfortunately, it was too late thirty days had passed and my money was returned and my policy was cancelled. Faced with this sudden dilemma, l went out and bought another policy which ended up costing me more money. After obtaining this policy l forwarded a copy to my lender BoA. To my surprise a couple of weeks later BoA notify me that l should provide them with insurance for the period of time during which my previous insurance company had been trying to receive payment from them. Since they were make a big deal out of the unfortunate situation they created, l when out and try to buy a policy for that period nonetheless. However, l was told by my insurance company that the new policy can not go back beyond 30 days. This same policy was stated by a few other companies l contacted. Somehow without proof of insurance during this period, BoA send me a letter charging me triple insurance escrow on a insurance policy which they claim the had purchased for the period that my insurance was cancelled five months later. This i was told by BoA after l had been told by insurance companies that they can not retroactively sell me a policy. Someway BoA was able to accomplished that easily but which l find strange especially since they had such a hard time processing my request and could not pay my insurance with my own money they collecting hence having my insurance policy which fairly cheap cancelled. This l think is not appropriate and a manipulation by BoA to charge me undue after intentionally or otherwise costing more money buying the new policy.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Student Aid (USA) Funds
State: IN

Complaint narrative:
On XXXX XXXX, XXXX i wrote a dispute letter asking for validation of this debt ( see attachments # 1 & 2 ). XXXXXXXX XXXX wrote back on XXXX XXXX, XXXX ( see attachment # 3 ) stating i can get in contact with them via email @ XXXXXXXXXXXX ; they also requested information on attachment # 3. I wrote them back on XXXX XXXX, XXXX via email sending them the original dispute letter plus a debt settlement letter ( see attachment # 4 ). XXXX Fund/navient wrote back the following XXXX XXXX XXXX to me Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. 



Thank you, Post Claims Assistance XXXX, XXXX. 

It 's been passed 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me  XXXX  and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In 2007 I had an account with Wells Fargo in XXXX Washington. I closed this account but I was still getting statements. I called to inquire but was told " the account was n't my concern, it 's no big deal, we do n't see what the problem is, everyone has these types of accounts, do n't worry about it. '' I did not authorize Wells Fargo to open this account in my name and when I attempted to find out why they 'd done this, I was treated as though I did n't matter. I was " XXXX '' like I was n't supposed to be concerned or upset. Wells Fargo then blocked access by me to any information about accounts in my name. They attempted to assure me that this was all in my imagination. I felt powerless. I 'm XXXX XXXX and they treated me like I was too XXXX to talk to. I did n't realize that I could be part of this settlement, I hope I 'm not too late to be included, but I was terribly mistreated by this huge organization then I was treated as though I was crazy for saying anything about it. Please 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 2017-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To Whom It  May  Concern : O n    XX/XX/XXXX  I got  a letter in the mail from  XXXX   XXXX  at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in  XXXX ,  XXXX  to become a   XXXX   XXXX  . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since  XXXX   XXXX   XXXX  sold my cousin 's account t o Navient. I ha ve also had a child in  XXXX  who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient  threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient  offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home  phone everyday even on Saturday and Sundays. They call back to back  up to 7-8 times a day  everyday, as early as    XXXX   XXXX   XXXX   XXXX   XXXX    and as late as     XXXX   XXXX   XXXX   XXXX   XXXX  . I have talked to  Navient  representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some  of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
R.S Clark an d associates has filed an account on my credit report dated   XXXX  ,2017 which is not a debt that I owe in the amount of  XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
<P/>
My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
<P/>
It is apparent that Loan Care never service their customers account seriously and professionally.
<P/>
The attachment will give a full of the complaint.

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 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX ,    2017  I received an alert via email of a negative collection account reporting to my   XXXX    report. I immediately checked my reports to see t hat Convergent Outsourcing had lis ted an account to my report in the amount of {$130.00}. I have had no previous dealings with this company. No calls, no letters, NOTHING and they just decided to report a negative account. I sent  Convergent Outsourcing  a letter on  XXXX / XXXX / 2017 , via certified mail #  XXXX   XXXX   XXXX   XXXX  in which they received on  XXXX / XXXX / 2017  to validate this alleged debt. I also sent this letter via fax and also to the companie s executive team  via email for prompt response. I educated Convergent that they had 30 days to respond to my letter or that they should delete it. Pe r the FDCA, a debt collector is to notify the credit reporting agencies that this alleged debt is being disputed and can not continue to collect or report this alleged debt until they have provided verification. Convergent failed to abide by these rules. They continued to report, and update this alleged debt to   XXXX   ( la st update on  XXXX / XXXX /  XXXX   ) before even responding to my letter. I did not hear anything from this company for over 40 days from the date they received my correspondence. On  XXXX / XXXX / 17 , I sent  XXXX  a request to have this negative account information deleted immediately due to no response from Convergent Outsourcing, and their above violation. Today  XXXX / XXXX / 17 , I received in the mail a copy of some sort of bill which listed inaccurate information. It did not verify debt, nor did it show proof that this is my debt, as it is not, or any legal binding agreement to convergent outsourcing. I am extremely disappointed that Texas allows deceitful scamming c ompanies like Convergent Outsourcing to target its residents.

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 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On  XXXX   XXXX ,    2017,  I was at the   XXXX   XXXX   in  XXXX ,  MD and I used m y ATM card to withdraw {$1500.00}. I have attached a copy of the receipt that was printed at t he casino th at night. The problem is that the machine only dispensed {$1100.00}. I immediately went to the customer service counter at  XXXX   XXXX , where I was told that they are not responsible for the machines that are on their premises. And my nightmare began.     I was given the name and phone number for the company that allegedly maintains and operates the ATM machine,  XXXX . The receipt states the terminal number and transaction number.  XXXX  also gave me the phone number  XXXX . I called  XXXX  at the toll-free number and I was immediately told that  XXXX  is not responsible for any dispensing errors. They said the only recourse is to talk to my bank,  Capital One.      First, I went to my branch of Capital  One  at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , Maryland  XXXX . I was told by the branch  manager  that I had to call their Claims Support Center. I called  Capital One  on  XXXX   XXXX  , 2017. T he claims representative at th e Claims Support Center at Capital One  took all the relevant information from me and told me they would investigate. I received a follow-up call on  XXXX   XXXX ,    2017, in forming me that I needed to fax a copy of my receipt. I did not have access to a fax machine and was trying to find a place to send a fax, but I just received the attached letter denying my claim.     I am at a complete loss about what is the next step I can take to address this consumer fraud and to receive reimbursement of the money that was taken from me by either   XXXX   XXXX   (  XXXX   ),  or  XXXX , or Capital One Bank. I have been unable to determine who is the ultimate regulatory agency that oversees these  XXXX  financial services companies and I have been unable to obtain a refund from any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
XXXX    XXXX   XXXX   XXXX   housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a   XXXX   and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i have disputed a bankruptcy with experian credit bureau and for the months of  XXXX  and  XXXX   2017  they never disputed my complaint. I have sent them a certified letter which was signed for on  XXXX   XXXX ,2017. I also contacted the clerk of court in  XXXX   XXXX  and told me this belonged to a   XXXX    XXXX  whom i do not know. They are listing inaccurate information 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 non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am contacting your agency after attempting to resolve this matter with TRANSWORLD SYSTEMS INC and disputing with all   XXXX   credit reporting agencies. When I initially found out that TRANSWORLD SYSTEMS INC was reporting negatively on my credit report it showed up as  XXXX  account. After I dispute the item TRANSWORLD SYSTEMS INC turn around and add a   XXXX   collection negative item to my credit report for the same exact amount of  XXXX . I have requested that creditor validated validity of this debt by provide with copy of sign service contract and Identification on individual services was rendered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i believe this account is not even belong 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 explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i believe this account is not even belong 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 explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i believe this account is not even belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reached o ut to CitiMortgage o n  XXXX / XXXX /   17  to make a bi-weekly payment on my mortgage and to stop the automatic draft that was to come out. This was initiated due to there being  a 50k pl us hold on my checking account. I did this for the next several weeks up until  XXXX / XXXX /   17  when the hold on my checking account was finally removed . CitiMortgage never did st op the payments from being drafted per my request when I made them over the phone for the next several weeks. I acquired numerous fees, some of which have been removed. I sent correspondenc e to CitiMortgage regarding  payments missing from the account on  XXXX / XXXX /   17  and sent them proof of them, but I have yet to have had it resolved. When I corresponded with people on the phone, they could not even match up the payment history that I printed from there website with what they were using. To make matters worse, I received a letter from them on  XXXX / XXXX /   17  saying they were removing me from the equity builder that I had been in  since the 90s per my request. I had not requested this since the lien had been removed from the checking  account. They would not do it when I had asked to stop the payments. I am not yet trying to be put back in the program and am making payments over the phone. I still have yet to have all of my payments credited to the account and no one has addressed the concern faxed to them on  XXXX / XXXX / 17 .

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i disputed with experian credit bureau and received a letter back in the main about this company  XXXX  saying return to sender. This has been since  XXXX    XXXX  ,2017

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