vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.

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 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC
State: IL

Complaint narrative:
I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RIGHT START MORTGAGE, INC.
State: CA

Complaint narrative:
Mortgage broker promised in writing to re-imburse us for refi fee after the loan was done. It has been 8 months and he has repeatedly lied and made excuses as to why payment has not been made. I have the agreement in writing. He works for Right Start Mortgage in XXXX, Ca. His name is XXXX XXXX. He got our account from XXXX XXXX who at the time worked for XXXX XXXX XXXX in XXXX, Ca. XXXX has since been fired for referring their clients to XXXX XXXX. I though our loan was being processed through XXXX, but later found out that XXXX XXXX did not work for XXXX, but worked for Right Start. XXXX XXXX used our Credit card that we gave him to pay the appraiser months later and charged {$2800.00}. XXXX is investigating him for fraud. I am filing this complaint because Both of these people have lied and cheated us, XXXX and Right Start mortgage. I do not want them to have the opportunity to do this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
Good morning my name is XXXX XXXX ( XXXX ) about XX/XX/2009 I attended XXXX School and took out loans to pay for my school. Fast forward to now I am currently being garnish by PHEAA-AES ( XXXX ) for the past 3years to pay my school loan. XXXX ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency AES/XXXX, AES/PHEAA, XXXX, U S DEPT OF ED/XXXX, XXXX XXXX are on my credit report with XXXX.. All are claiming ownership of my loan with XXXX school for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Global Home Finance Inc.
State: TX

Complaint narrative:
My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a complaint regarding items I disputed that does not belong to me. I thought according to law all credit bureaus investigate items on your credit that you are disputing the same. However, comparing my credit reports it shows different results. XXXX removed XXXX items that did not belong to me. But Experian stated, verified. How could that be? It seems that Experian waits and holds on to the dispute for 30 days w/o properly verifying and then after 30 days just say, it was verified w/o actually verifying. The following items is not mine listed below. 

XXXX ( XXXX ) XXXX XXXX ( XXXX ) I have attached a copy of my XXXX report, stating these XXXX items has been deleted. I would like Experian to follow suit and delete these XXXX items.I have attached the copy of my XXXX report so you can see the proof. 

Also, I have a letter from XXXX on XXXX credit items that is reporting negatively on my credit report and XXXX informed the credit bureau to REMOVE the account and failed to do so. I have attached a letter for that as well. 

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 non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi! Can you please help my family and me? We are now residents of XXXX, XXXX. We had a house in XXXX that we bought on XX/XX/XXXX for {$98000.00}. It was taking 50 percent of our income to pay the monthly mortgage payment. We refinanced with Wells Fargo Home Mortgage about a year and a half later to get a lower monthly payment. We had paid the balance down to {$93000.00}. However, after refinancing with Wells Fargo, they added on fees and things, and the balance went up to {$100000.00}. A couple of years ago, we lost our business due to financial hard times - we XXXX, and our students ' parents said they could no longer afford classes because financial difficulties they were having themselves. We received federal assistance to make our mortgage payments for two and one-half years. We got the first year 's assistance with no strings attached. We got more assistance on the condition that I go back to college and get another degree. I earned a XXXX degree in eleven months, but still could n't get a job with it, and now I owe {$33000.00} in federal students loans - but at least they 've been deferred for a while. There is a clause in the federal mortgage assistance agreement that if we moved out of the house before five years had passed, that we had to pay them back what they had paid on our mortgage. We still were n't making enough money, and I moved my family to XXXX hoping to find better jobs. Recently, Wells Fargo agreed to work with us to do a short sale. We got a realtor. The house was appraised at only {$60000.00}. We still owed {$87000.00}. We had a buyer, who offered {$50000.00}. Wells Fargo hired an attorney in XXXX, XXXX to begin foreclosure proceedings. The attorney sent me a letter saying that they were going to foreclose unless I wrote them saying that we planned on doing a short sale. I did write them back saying that we intended to do a short sale. I accepted the short sale offer of {$50000.00} that the buyer make. I hear that Wells Fargo went ahead and foreclosed and sold the house at auction yesterday. I think that Wells Fargo is breaking the law. I want them sued by the government, and I want for them to pay us {$200000.00} for the trouble they have caused my family and 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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
These are my complaints listed 1 through 4 1 ) I have student debt with Navient ( Parent Plus Loan ). They are not able to provide me with information about how much I owe from the handful of schools my children attended. This makes it very hard for me to talk with my children about this to determine which child owes what amount in an attempt to each pay their fair amount. Also, the loan payment amounts they have quoted for me are way too much for any average working class citizen in this economy to afford. 

2 ) I recently tried to refinance my home to save several hundred dollars each month. The refinancing went very well, and with only one final step, I needed to have a three-way conference call with the mortgage loan officer, Navient representative, and myself. When my loan officer and I connected with the Navient representative, she scolded me, and was very rude. The loan officer decided to end the call, and I was not able to go through with the loan. 

3 ) Including myself, friends, family, neighbors, their friends, and unfortunately now my employer, we are all currently being harassed by a caller going by the name of XXXX, who apparently represents Pioneer Credit Recovery Inc. He uses the caller ID name as Navient, and one of the handful of phone numbers he calls from is XXXX. He is calling ( harassing ) these people at all hours of the day and night asking for information about me. 

4 ) Just when my children entered college, I lost my job of many years due to economy affecting the business I worked for ( great recession XX/XX/2005 ), and could not find a job because no one was hiring. I received my loans while I was unemployed. The economy is different today than it was back then, and I do n't make nearly as much as I did twelve years ago, and just getting by on what I earn today. I 'm wondering how and why I was able to obtain these loans when I was unemployed? I would think the government would have viewed me as a risky person to lend money to. This seems very questionable, and very irresponsible for any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.

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 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NE

Complaint narrative:
The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation