vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
Received in the mail a notification and offer to reduce amount owed to XXXX as a reduced balance opportunity. I never had a XXXX 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 2018-12-18 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: DISCOVER BANK
State: NY

Complaint narrative:
Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently used my credit card to buy some XXXX gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted my income driven request to XXXX to renew my income driven repayment plan. On or about XX/XX/XXXX, I received an email that I needed to denote on my paystub the frequency of my paychecks. The dates clearly show a bi-weekly payment, but I re-uploaded the requested documentation on XX/XX/XXXX, the requested documentation. On XX/XX/XXXX, I noticed my application had not processed and I called them and spoke with a representative to make sure my application would be in process and my XXXX payment would be normal. I was assured that my application would be processed before my XXXX payment. On XX/XX/XXXX, I received notification that my monthly payment on income driven that has been approximately {$450.00} was going to be {$2700.00} on XX/XX/XXXX. I immediately called XXXX and spoke with XXXX, employee ID XXXX, and was told that my XX/XX/XXXX, payment of {$2700.00} had already been issued and could not be adjusted. I asked XXXX to speak with a supervisor as I could not understand why I was paying for their failure to timely submitted my application. I then spoke with XXXX, employee ID XXXX, who said my only option would be to take a deferment. I explained that was not ideal since if I do not pay off my loans that would not count towards my forgiveness period and would add an extra payment on at the end of the 25 year forgiveness period when I will be hopefully making more money. He said there was nothing that could be done other than the deferment. I then stated that I was typing a complaint to the CFPB as I spoke and he was going on the record that I had to take a deferment even though I had timely submitted my application, but they had not timely processed it. He then said he was going to check on something and put me on hold. When he came back, he said he would escalate the issue and process my application himself today, XX/XX/XXXX, and put in a request for my XXXX statement to be reissued, but that there was no guarantee that it would be processed and my payment adjusted. He said I could take a deferment even after XX/XX/XXXX, but since I have direct debit, that I would need to request the deferment by XX/XX/XXXX to avoid the draft of {$2700.00}. 

I have had similar issues like the one described above every single year in renewing my income driven repayment request. What can I do to prevent this from happening again? Why is a student loan servicer permitted to delay processing timely submitted applications and stick me with the bill? Once they issue the bill, there is no adjusting for XXXX 's error other than for me to take a deferment that has a negative impact and extends my forgiveness period a month?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of unauthorized transactions due to the cust service rep failing to cancel my account after crediting my account for unauthorized transactions. This led to additional unauthorized transactions occurring by whoever had my card. 
I was by assured by capital one that : 1. My credit would be re-reported and updated immediately as " current '' after the account became credited again for the unauthorized balance 2. All of the " PAST DUE '' reporting for the months of XXXX XXXX XXXX XXXX 2018 would be removed from my reports since it was past due as a result of the unauthorized transactions that were causing the balance on the card. 
This did not happen and it is preventing me from obtaining credit. 
This is causing me to suffer Damages and I should not be " HELD LIABLE '' as per Capital One 's own Policy. 
In Fact Capital One is going to be Held Liable for such Damages suffered by me as a result of breach of " zero liability. '' promise. 
Damages will be sought for unless this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
XXXX XXXX, 2017 State Collection Agency placed a debt collection on my credit report in the amount of {$420.00}. I have requested validation of said debt and have only received a bill. The bill does not prove that the debt is owed. I do not have a written contract with State Collection Agency. I have not been provided a contract between them and the original credits for collection authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This is regarding predatory lending via telemarketing to the elderly. The 2 Wells Fargo telemarketers are XXXX XXXX & XXXX XXXX. They called my XXXX & XXXXyr.old parents from another state to coerce a woman w/XXXX & a man w/XXXX XXXX into a 30yr. refi. No mortgage protection insurance was offered, no borrower 's atty was present, no program to better suit their needs was offered. CT is a state that enforces Predatory Lending. I have been asking questions to Wells Fargo for over 1 yr. to address & they have resisted. XXXX Vice President, XXXX XXXX & her " staff '' are making a mockery of the CFPB by continually not addressing my questions. They sent a 41 pg. redundant PDF & not 1 of my questions was answered. How shameful. Again, where are XXXX XXXX & XXXX XXXX & where is their transcript? Why weren't my parents offered mtg. protection ins. should one of them die? Why was no attorney present to explain what was transpiring to my elderly parents? Wells was pd {$71000.00} on an {$81000.00} loan. I offered {$20000.00} from a reverse as a " short pay-off '' & Wells refused the offer. I will not pay for a criminal offense. XXXX XXXX calls me & has the gall to ask me if I have any questions? What does she think I have been asking for 1 yr & now am asking the CFPB to inquire? She is ridiculing both of us!

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 2018-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint again XXXX  XXXX who holds one of private loans. The loan number is XXXX. This loan was purchased from XXXX XXXX XXXX several years ago, who purchased it from XXXX the original loan holder a couple of years before that. I have been paying on this loan for over 8 years, and been making large payments for the last 5 years since graduating to get it paid off yet. My payments to Navient alone sum up to around 1200 yet, my loan balance to this day is still {$1600.00}. I have requested an audit on this loan now dating back to the original date of disperment. Each time they have provided me with only a payment schedule dating back to XX/XX/XXXX. They have no paperwork to proide for an accounting from XX/XX/XXXX the first scheduled payment that was made to XXXX to XX/XX/XXXX. No matter how many times I have requested the accounting for those dates, they refuse to provide it. I am not making another payment until they can provide me with the account information from those dates who that I can do my own audit on this loan. I am requesting all documents relevant to an audit done on this loan dating back to XX/XX/XXXX. Once they can provide those documents, We can then move forward to settling this account. 

My information is as follows, The loan is under my maiden name XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. My social security number is XXXX, my date of birth is XX/XX/XXXX and my phone number is XXXX. All paperwork can be sent the address listed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
keep getting denied assess to the account by my husband, after filling out proper forms and send valid power of attorney. They will not follow their own rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I open an account with XXXX XXXX a light company. In XX/XX/XXXX i was aware that my contract was over, so i switch light company because to my knowledge I was done with them, and i need something to cheaper. My husband and i were working at the time, my husband was just going to start his new job. So anyways after i switch light company thinking my contract was over. I never got a called, nor a later from them ever again. But now is XX/XX/XXXX and the last week of XXXX i received a called from Credit Management control company. Saying that i owe money, but i wasnt sure if it was my account because this had my old last name. The rep said she would look into and call me back, but i NEVER got a called back. Just recently i notice the put this on my credit as a collection, so as soon as i saw that i gave them a called. Ive spoke to a rep, that was completely rude after i ask if i get a deletion letter if i paid them off. Which if is my account Ill take full responsibility and pay for it, but i NEED this delete it off my credit. I ask to speak to a manager, same thing he was rude and disrespectful. Would not help ONE bit.. i called again and same thing spoke to a supervisor and again he was rude and even threaten to hang up on me. Was giving me false information that is up to the credit bureaus to delete this account after i pay it, which is a lie. I know is up to them to delete it, because they are the ones reporting. This company is very unfair and treats people very rudely. Ill take full responsibility and pay for the account if is mines. But all i ask if for them to get deleted of my credit. The way the spoke to me was very wrong. It can really mess with someones mental health, the way the abuse their power is very wrong, and it should not be permitted for a company to talk to anyone the way this company does.. and another thing they said they have send me letters so i can know about this matter and is a lie because even if they send it to my old address, i have not gottten anything because i had all my mail forward to my new address and i get everything else to my new adress BUT this. How come? Because they have send me anything. They just lie.. its not fair to us..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XX/XX/XXXX we filed a chapter XXXX! The BMW was not included at all in the bankruptcy! I turned in the BMW in XX/XX/XXXX! And yet they are still dinging my credit without my approval! This is definitely hurting my credit rating! I feel like I'm a Target I work very hard to have very good credit and yet they're still dinging me! This is America which is XXXX, I'm sure there's many XXXX people who experiencing the same situation! Trying to destroy us for no other reason than the XXXX of our skin! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This company, National Credit Systems is reporting false information on my credit file. I don't have an account with them and they have failed to show otherwise! 

They are violating my rights under the Fair Debt Collection Practices Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sold my home with closing completed on XX/XX/XXXX. I received a confirmation letter from the mortgage holder, XXXX XXXX, dated XX/XX/XXXX that the account had been paid in full. A follow-up letter dated XX/XX/XXXX from a national clearinghouse in New Jersey confirmed all liens had been cleared. On XX/XX/XXXX I received an e-mail from Mr. Cooper claiming my mortgage account transferred to them on XX/XX/XXXX. The e-mail provided instructions on establishing an online account and automatic payments. Calls to Mr. Cooper and XXXX   XXXX  failed to gain resolution. On XX/XX/XXXX I received a letter from Mr. Cooper with a statement and a bill for mortgage payment on XX/XX/XXXX for the home which was sold on XX/XX/XXXX. Again a call to Mr. Cooper failed to gain resolution. I need for Mr. Cooper to cease these communications and close all references to this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
XX/XX/XXXX I called and sent via email to show that we paid out of pocket all taxes. I have requested and followed up for an overage of {$2400.00} owed back to us for paying out of pocket. 
I called again on XX/XX/XXXX and XX/XX/XXXX after being told we would receive an updated analysis of our escrow by XX/XX/XXXX, never received as well as a check for reimbursement. Seemed like it was resolved. 
Our account online shows they sent us a check on XX/XX/XXXX, yet did not receive it as of XX/XX/XXXX. 

Our account shows they sent us our bills for more money and showing funds were removed and not put back into our account of {$2400.00} - tax rep from our county/township/school has sent back money to our escrow and they are not returning money back to us from our savings account we borrowed from. So we are not out over $ XXXX due to bank keeping funds. 

I spoke to XXXX on XX/XX/XXXX who said this would be resolved and sent out analysis corrected and saw as well we were sent a check? Never got it it was never sent. 

I called again on XX/XX/XXXX to be told by XXXX that they are keeping the funds into our account. 
there have been a one or two other calls called by my husband as well. 

We are getting a run around over money kept in excess in our escrow well over the amounts after we asked again and again to run an anaylsis for funds needed to be paid and correct our XX/XX/XXXX payment to {$1500.00} ( + ) not {$1300.00} since they cant seem to correct our bank account mortgage. 

We have an account with the post office that shows us what mail we receive. Since that call in XX/XX/XXXX we only received two pieces of  mail the XX/XX/XXXX payment due since we now have over {$600.00} sitting in escrow for next year and XX/XX/XXXX payment due not corrected ... yet missing our {$2400.00} refund for overage of taxes we paid from our personal savings account for taxes due due to shortage in our escrow at that time of taxes due. 

I can provide copies as well showing post office and online documents received, etc ... if need be. 

It just seems there seems to be an excuse after excuse and nothing receive back to us except incorrect mortgage/escrow bills ... and money now missing in our account and told it went back into our account. I tried to log back in and now I am locked out of my account online? 

In 30 years of having a mortgage I never experienced such a run around and mess like this ... can I find another bank without points, etc..? What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They contacted my husband about my debit dont know how they got his number and gave him information on my debit that he has nothing to do with his name or phone was not on account they never contact me they are calling other people that know me XXXX XXXX  cause problems between me and my husband

Company response to consumer: Closed with non-monetary relief