vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/2017, I fully paid off the balance owed on a closed credit card account with Bank of America. I paid it in full before the due date. 
After I paid my card, the account disappeared from my online statement which I often check because I have an active mortgage with Bank of America. 
Yesterday I received an alert to my credit report that my credit card account with BOA was 90 days  past due! I was infuriated! 
I logged into my account and saw that the card was reinstated under active accounts and they were charging me interest and late fees for an amount of money which had been paid prior to the due date.Since the account was paid in full I have not been billed once for this account. 
I called the lender yesterday and they agreed it should not have been and they are removing it from their accounts. However, they said they could not remove the 90 day late notice from my credit report for 1 to 2 months! That is simply not acceptable! They are absolutely damaging me financially. 
I am looking at new houses to buy this spring and this false report on their error is going to hurt my 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 monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is  attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Having noticed collection activity on my credit report from Portfolio Recovery Associates, I inquired as to the validity of said debt. 

While I received response from PRA in attempt to verify debt, it was indicated that the debt is relative to an account not on my credit report, as account open date for XXXX XXXX as provided by collection agency is not accurate, nor is account number. 

Further, date of last payment against above account was also not provided, to validate legal premise to attempt to collect said debt within status of state limitations in TX, that being 6 years. If said debt relates to account listed on credit report for XXXX XXXX, despite inaccuracies of account number and open date, the last payment against account noted on credit report ( not the one referenced ) neither reports a balance owed, but indicates last payment was XX/XX/2009, rendering this collection activity outside of state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. 

On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. 

I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. 

On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. 


On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). 

On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. 

The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk  to someone at Navient, each rep tells me something different about my account situation. 

These people have been lying to me for years. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I refinanced my home with Flagstar Bank to payoff a {$220000.00} and a {$340000.00} mortgages to create 1 first  mortgage for {$580000.00} as stated on HUD1. 
Instead Flagstar Bank gave me a {$580000.00} mortgage on XX/XX/XXXX and never paid the {$220000.00} note they had outstanding on my home. All along I told them something was wrong but didn't know what since I could never refinance my home. 
Through a series of transactions Flagstar Bank was a ware of the defect yet never corrected it for over 10 years and through a series of assignments and transfers tried to disguise this egregious fraud, Finally XXXX XXXX trust / XXXX have toggled the mortgage on my home back and forth for the past several years in an attempt to defraud myself even further and now have filed foreclosure against my home without ever addressing this issue with myself. Flagstar attempted to close account because XXXX of these defects several years ago only to mask it through XXXX XXXX XXXX / XXXX NMLS # XXXX 
Attached is evidence and foreclosure complaint as well as response.

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 2018-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax because my credit report was showing foreclosure that has been on there for 5 years and I did in " Lieu of Deed '' to avoid bankruptcy of a 2nd home bought for my sons. I contacted Equifax because this should have been on my credit report as in Lieu of Deed. After disputing this, they then drop my score by 20 points because of this investigation. I tried to talking to people with Equifax and can only talk to Foreigners that I could barely understand and they could not understand me and didn't care. I have called several times and still could not talk to one American person that I could actually explain my problem to. They don't care!!!!! 

This is unfair. I pay my bills as required and that is stated on my credit report and now my credit score drops 20 points because of a dispute. I need to know who can help me and that can actually understand me and that I can understand as well. I need help now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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: TX

Complaint narrative:
Having filed initial complaint around collection activity pertaining to a debt not owed, I received communication that the collection account would subsequently be removed from my credit reports with all three bureaus. Several months later, that has still not happen, and debt is currently being reflected across all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I ADVISED A FEMALE AGENT TO REMOVE A BUSINESS NUMBER BECAUSE THE NUMBER WAS NO LONGER ASSIGNED TO ME BACK IN XX/XX/XXXX. TODAY, XX/XX/XXXX A CALL WAS PLACED TO THE NUMBER THAT WAS TO BE REMOVED XXXX AND THE YOUNG LADY DISCLOSED WHERE SHE WAS CALLING FROM AND REFUSED TO TAKE THE CORRECT NUMBER TO CONTACT ME. I CONTACTED 5TH LOSS  MITIGATION DEPARTMENT THE ONLY NUMBER I HAD READILY AVAILABLE ONLY TO EXPLAIN THE SITUATION TO BE HUNG UP. SPOKE TO COLLECTIONS TO REQUEST A SUPERVISOR ONLY TO BE HUNG UP AND TOLD THAT THEY DONT KNOW WHY THE AGENT CALLED THAT NUMBER WHEN IT WAS REMOVED AND CANT EXPLAIN WHY..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I Received Notification That A Collection In The Amount Of {$50.00}, Was Added To My XXXX Credit File On XX/XX/XXXX By XXXX XXXX ... Reported Date XX/XX/XXXX By XXXX XXXX XXXX/Capio Partners LLC ... This Same Company Had Added This Same Collection {$50.00}, Using Just Capio Partners LLC As The Company In XX/XX/XXXX ... .This Was Disputed Online Directly Thru XXXX, At That Time And It Was Removed ... I Have And Am Working Hard To Maintain My Credit Worthiness And Companies Like XXXX XXXX XXXX/Capio Partners LLC is Placing Collections On Peoples Credit Profile Without Any Notification Is Just Plain Wrong ... Included Is Documents To Support My Statments ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My elderly mother was contacted by Navy Federal about my accounts. I have previously told NFCU to stop all contact with anyone other than myself regarding my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Mortgage XXXX # XXXX. 
XXXX  XXXX XXXX sold my existing mortgage to SPS Select Portfolio Servicing , Inc . I was notified by mail of this from SPS letter that I received on XXXX XXXX. I immediately mailed SPS their form to handle ACH monthly withdrawals from my checking account to pay the mortgage automatically. 

On Saturday evening XX/XX/XXXX, I received a confirmation by mail from SPS dated XX/XX/2018 that my recurring ACH will not begin until XX/XX/2018. I also received the monthly bill for XXXX on XX/XX/2018. That bill had a statement date of XX/XX/2018 indicating that the due date is by XX/XX/2018 and would be charged a late fee if received after XX/XX/2018. On Sunday XX/XX/XXXX, I attempted to call SPS to pay my XXXX payment due on XX/XX/XXXX by phone. They were closed on Saturday after XXXX pm EST and on Sunday. 
On Sunday XX/XX/2018, I went on line and made the mortgage payment so that it would be paid by the due date of XX/XX/XXXX. I was charged a {$15.00} on line fee. On Monday XX/XX/2018, I called SPS Customer Service Dept and asked if they would credit me the {$15.00} since it was no fault of my own. The refused to do so. I asked for a Supervisor. They still refused. The SPS Customer Service Rep said they could have waived the fee if I paid by phone but not for the online transaction. This is very unfair. I never missed a payment while XXXX XXXX XXXX was servicing this mortgage. I respectfully request that SPS should refund the {$15.00} on line fee to me because SPS sent billing notifications by mail several days before the due date which would not allow sufficient time for my check to get to them by mail in time for the payment due date which would cause me to pay late fees. On my recorded line to SPS on Monday XX/XX/2018, I notified SPS Select Portfolio Servicing , Inc. that I would complain to the CFPB if they did not refund my {$15.00} on line fee. Their contact information : SPS Select Portfolio Servicing , Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX, tel ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT { XXXX XXXX XXXX   ACCT # XXXX }. WERE FILED ID THEFT REPORT AND DISPUTE WITH EQUIFAX TWICE THEY STILL NOT REMOVE OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of this account

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female  as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: ND

Complaint narrative:
Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: DC

Complaint narrative:
Title Loan ... in the amount of {$2400.00} ... 
Payments {$400.00} per month / for 12 months. Plus daily Interest. 

Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... 

the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. 

Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. 

XXXX doesn't offer a grace period on due dates. 
XXXX  doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. 

XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.

Company response to consumer: Closed with explanation