vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
In 2007 I heard about the Public Service Loan Forgiveness Program. I called my loan servicer and made sure I was on track to be a part of this. The promise was that after 120 on time payments, the remainder of my loans would be forgiven. I was working in qualifying XXXX and my income was well within the parameters given to me. Last year I knew the 10 years was getting close so I started looking into the application needed to get the loans forgiven. Through this process my loan was sold to fedloan and they tell me that I have not made any qualifying payments. I called a couple of times and was told that there is a review process that takes up to 3 months to determine if my previous loans with XXXX XXXX count. They also told me that in the meantime, if I wanted to get on a qualifying payment program with then I would have to pay an extra {$100.00} a month. The way they made it sound was that the XXXX XXXX people misinformed me about the type of repayment plan I was on and that I would have to take it up with them. They do not exist anymore! I asked who would be able to look and my situation and make a rational decision. I was told nobody could, that there was no appeal process and that the policy guidelines are black and white. I have worked over ten years in XXXX XXXX XXXX, have always made my payments and just this last month my loan was sold to an external organization that says I have not made any qualifying payments and that if I started I would have to pay an extra {$100.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/XXXX - Vehicle purchased from XXXX XXXX in XXXX XXXX, KS with extended warranty ( cancellable ), loan through Capital One. XX/XX/XXXX - I initiated warranty cancellation by phone with XXXX XXXX. Shortly thereafter received by mail confirmation of warranty cancellation and copy of refund check ( ~ {$2500.00} ) sent to Capital One by XXXX for warranty cancellation to be applied directly to my loan balance. To date ( XX/XX/XXXX ) the refund has not been credited to my loan balance. I have spoken to both Capital One and XXXX XXXX numerous times regarding this issue. XXXX XXXX states that the check has been cashed and that they have fulfilled their obligations and can not take further action. Capital One has stated multiple times that no check has been received, despite XXXX 's statement that their check has been cashed. I have been told that the typical time for cancellation refunds to post is between 8-12 weeks, and it has been approximately 20 weeks since the cancellation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Capital One Bank that they were decreasing the line of credit of one of my XXXX accounts by {$1000.00}. Be aware, this complaint is not about the decrease in the line of credit itself. One of reasons for the change listed in the letter was : Use of all of your availabile revolving credit has been too high on your Experian credit report I do not dispute that I need to work on getting my outstanding credit card debt down. I do not dispute that it is higher than what I want, however, by decreasing my credit line, they further negatively impacted my available revolving credit ( it, naturally further decreased ) and sure enough I had a downward adjustment to my credit score. I spoke with Capital One 's customer serve on XX/XX/XXXX. I was able to confirm with them that I was a customer in good standing ( this account has been open since XX/XX/XXXX ) and that, at least in the past year, I had not been past due, nor short paid an amount due during any billing cycle. Therefore, I dispute the reasons, listed in their letter, as being the true justification for their action. I presume their justification to be an intentional act to negatively manipulate my credit score and to then use the downward adjustment as a reason to upwardly adjust my card 's APR. And this is the heart of my complaint. By all means, Capital One should have the right to take the action they did. But, by allowing a system that then uses their action as criteria to negatively impact ones credit status, you are allowing the fox to guard the henhouse. And you are presenting the opportunity for lenders and the credit reporting agencies to conspire against honest, hardworking consumers who are trying to live within the rules of a rigged system. As far as that goes, having a request for an increase of a line of credit or applying for a new credit card/loan, negatively impact one 's credit score is grossly unfair. A consumer who works hard to build up their credit score prior to taking out a car loan, for example, is then penalized for accomplishing their goal? I submit that this begs for change. I hope you see this argument to have merit. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Nelnet, Inc.
State: FL

Complaint narrative:
Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had a loan modification with XXXX # XXXX and they sold it to Shellpoint account # XXXX, Then Shellpoint is now claiming they are not honoring the modification after I had made 8 months of scheduled and timely payments, they are reporting all payments as delinquencies! the Credit Agency has me with 8 delinquencies and the new loan company will not approve the new Mortgage until all of the Delinquencies are removed! My home will be sold off according to Shellpoint! Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad astra is reported incorrect information on my account i dont owe them any money and they refuse to remove from credit report. They refuse to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My husband and I have tried multiple times to put in disputes with Experian for the mortgage information from XXXX, XXXX.. The latest was XX/XX/XXXX for myself and XX/XX/XXXX for my husband. We previously filed complaints through CFPB last year to fix the reporting on our other credit reports and they responded that they would. Nothing for Experian has changed. I filed a previous dispute of this information with Experian in XX/XX/XXXX after I realized that the information still had not been updated after the 45 days from the letter we received from XXXX, XXXX XXXX, XXXX incorrectly reported that we were late on our mortgage XX/XX/XXXX, XX/XX/XXXX, XXXX 2016 and that it was closed in XXXX 2016. We signed over the property in XX/XX/XXXX for a deed-in-lieu of foreclosure and provided that documentation to Experian along with a letter from XXXX, XXXX that they were going to submit the change to the credit bureaus. In this letter it also provided our payment history. According to their own admission XX/XX/XXXX, XX/XX/XXXX and XXXX 2016 should be removed as being late since we no longer were in ownership or attached to the property. I 've been able to fix XXXX and XXXX to a point but Experian does not seem to really review the information we are providing.

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I received a notice dated XX/XX/XXXX, from American Coradius International LLC that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a XXXX, XXXX account # XXXX. Per the instructions in the collection letter, I notified ACI in a letter sent by certified mail on XX/XX/XXXX, that I disputed the claim, that the XXXX account number was not mine and that I had no outstanding obligations to XXXX. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. ACI never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XX/XX/XXXX, I received second debt collection letter dated XX/XX/XXXX, from ACI LLC for this XXXX bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to ACI and disputed the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: MO

Complaint narrative:
I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/XX/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 2017-08-08 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
My monthly payment is {$58.00}. Without notice, Navient changed my payment to be {$470.00}. I had to pay a {$30.00} stop payment fee as I was not prepared for such a large payment. I was able to cover it, but am not happy about it. I am changing lenders because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.

Company response to consumer: Closed with explanation