vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
There are too many dates to list that they have delayed/rejected/improperly handled turning in and approving my IDR request, most recently NOW. A year ago they did the same thing. Everything, including bank statement and pay stubs and request, is rejected without reasons. Every time this happens I am in deferment and, of course, this eats away at time I may need later on in time of true need. I also have issues lowering my payment. My household is paying mine and my husbands loan off and we literally live paycheck to paycheck. Calling is no help ... they don't even understand what I am saying and have no answers. Last year I couldn't even get it straightened out, to the point of taking almost the entire year till I had to recert again. My doctor is saying t hat after analysis of my life style that the greatest stress IS my student loans and the inability to get assistance. PLEASE help me! I have no idea what to do. I am at the point of looking for a class action lawsuit so that I can get some relief!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following accounts are fraudulent and my identity was used. I even have proof from the creditors and Equifax keeps believing them. Of course they are going to say it matches me, someone took my identity. 

- Medical collections account - XXXX XXXX XXXX - Both XXXX XXXX XXXX accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
RECEIVED PHONE CALL FROM WESTERN CONTROL SERVICES XXXX XXXX LEFT A MESSESAGE DIDNT IDENTIFY WHO MESS WAS FOR BUT WAS A DEBT COLLECTOR. CALLED BACK XXXX XXXX XXXX  HE ADVISED I HAD AMOUNT OWED ON MY BILL TOLD HIM I HAD A DISPUTE ON AN ITEM WOULD GET BACK WITH HIM BUT WANTED TO TAKE CARE OF IMMEDIATELY TOO GET RESOLVED.XXXX XXXX XXXX AGAIN ON XXXX XXXX, 2019 DIDNT GIVE MINI MARANDA DIDNT WANT TO LISTEN TO ANYTHING I HAD TO SAY JUST AMOUNT WAS OWED TOLD HIM I WANT TO PAY BUT ID LIKE SOME MORE INFO HE SAID NO AND STARTED THREATING HE'D JUST REPORT TO MY CREDIT AFTER I TOLD HIM I WAS GOING TO PAY THE BILL I OWE {$380.00} TILL TODAY I HAVE NOT RECEIVED WRITTEN NOTIFICATION FROM THIS COMPANY. I'M GOING TO BE CONTACTING AN ATTORNEY IN REGARDS TO MY CONSUMER RIGHTS THIS COMPANY IS HARRASSING ME AND I ALREADY SAID WOULD PAY THE BILL. THIS COMPANY HASN'T FOLLOWS THE FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Chief Executive Officer and President of Select Portfolio Servicing SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : SPS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MIN # MIN XXXX Property : XXXX XXXX  XXXX XXXX, XXXX Fl XXXX DISPUTE LETTER I am writing you to dispute the following information found in my mortgage. 

Since XXXX  XXXX XXXX was the servicing Bank of my loan, mi mortgage with XXXX XXXX XXXX XXXX, was erroneously assigned to a Pooling and Servicing Agreement that have never been part of XXXX XXXX XXXX XXXX assets, according XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : 1. On XXXX XXXX  XXXX XXXX erroneously assigned XXXXXXXX XXXX MIN # XXXX. Mortgage was executed on XX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX, the assigned erroneously to XXXX XXXX XXXX Home Equity, Series XXXX by servicing bank, XXXX XXXX XXXX . On XXXX the servicing was transferred to SPS. 

I am therefore requesting that SELECT PORTFOLIO SERVCING open an investigation regarding this matter and correct, update my mortgage information, as quickly as possible and stop any WRONG FORECLOSURE # XXXX active, under such false information. 

Enclosed you will also find copies of XXXX XXXX MIN # MIN XXXX. 

This error has caused innumerable damages to me and family. 

Failing to fix this XXXX XXXX information in the above matter you may be liable for your errors under your servicing from XXXX to present. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ( XXXX ) 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 2019-02-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes by means of a XXXX ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below Equifax XXXX COLLECTIONS XXXX {$210.00} not mine XXXX {$15.00} not mine XXXX {$110.00} not mine XXXX {$1400.00} not mine XXXX {$220.00} not mine XXXX {$110.00} not mine XXXX {$280.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TX

Complaint narrative:
I requested an IDR plan via studentloans.gov on XX/XX/XXXX, about a month before my first payment would be due to XXXX XXXX. They sent me a bill for {$310.00} and only billed me for my loans from undergraduate. I have new loans now because I just finished grad school in the summer of XX/XX/XXXX. I called them on XX/XX/XXXX to check in about why my IDR application hadn't been processed because I knew the payment they provided was too high. The person on the phone told me that the application hadn't been processed and I had to request forbearance to avoid making a payment so I requested a forbearance and now, 12 days later, it was never processed and there's no record that I requested as forbearance. I submitted a complaint through their ombuds and they told me that I never requested a one month forbearance on my original IDR application and they sent me a copy of a paper application ( I completed the application online ). I'm on the phone with them now and they're telling me that I need to pay a minimum of {$5.00} to switch my loans to an IDR plan and that my IDR application is done, yet my account still says I'm 12 days past due and that I owe them {$1300.00}. At no point have they contacted me to tell me my IDR application was approved, to tell me what my payments would be, to tell me what loans do or do not qualify. There is a " request summary '' on my account homepage that has a status bar that says they received my IDR request, but nothing further has been done. I'm on the phone now with XXXX # XXXX and he's telling my application has been processed, I just need to pay a {$5.00} min to get my loans switched over to a new plan. I'm so confused and angry because every time I call their customer service folks give me different answers. They don't know what they're talking about and then they don't follow through. There was a note on my account that said they weren't going to do the forbearance because my loans were in queue or something of that nature. He's now saying that the person tried to place the forbearance on all my loans instead of the ones I was originally billed for, which is why the forbearance never went through. I paid the {$5.00} minimum and the customer service person, XXXX, notated this on my account. I'm not sure why I had to pay {$5.00} for my request to be processed however.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: MD

Complaint narrative:
I have been enrolled in PSLF since I have been working for the state and federal government since I've graduated from my XXXX XXXX degree ( FYI, I received by degree in the XXXX XXXX from XXXX University so I couldn't select it in the form ). When I started with the state government in XXXX, my loan repayment program was income driven until I moved to the federal government in XXXX. When I moved to the federal government in XXXX I moved to a ten year repayment plan schedule which moved my monthly payment to approximately {$450.00}. Starting in XXXX my current employer offered to pay part of my loan down at the amount of $ XXXX. They've paid this amount for XXXX and XXXX, however, my monthly payment did not go down. I've requested Pennsylvania Higher Education Assistance Agency ( PHEAA )  as to why my monthly payment would not be reduced as my loan amount has reduced by 50 %. I've called them and emailed them several times over the past month and they refuse to recalculate my monthly payment and have stopped responding to me. I am quite confused as to why my monthly payment would not be reduced when I'm trying to pay off my loan prior to the PSLF end date in XXXX. I have conversations documented via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ), was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XXXX, XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative serval times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF.

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 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lafayette, Ayers & Whitlock, PLC
State: VA

Complaint narrative:
XXXX XXXX is who the debt is with. I have been dealing with them for a year and been in contact with XXXX XXXX from them. There weee issues with the account from day one because I signed up with XXXX XXXX and was not notified of XXXX until XXXX contacted me of making a payment to them. So once I worked out everything I had been making payments and been in contact with XXXX XXXX continuously. I was furloughed in XXXX and I let XXXX know in XXXX she did a deferred payment to be due XX/XX/XXXX. Luckily I returned to work and made the payment processed on XX/XX/XXXX. Yesterday XX/XX/XXXX I received a Civil Lawsuit from them owing more then the balance and now have about XXXX extra in fees. I was not notified of being sent to collections by them. XXXX never mentioned it at all until yesterday and was told them to contact them but my account is in good standing and she will let them know. This is complete chaios. Im not sure what I can do at this point or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Have been a customer of Chase XXXX XXXX Visa since 1991. Had maintained a large balance over the last 10 years, approx {$30000.00}, and was paying 23-27 %  interest on this balance. Evidently I was late for 2-3 payments, and Chase decided to close my account. Unfortunately, they did not NOTIFY that they were doing this. Chase was willing to charge me inordinate amounts of interest on my outstanding balance for years, especially the last 10 or so year, and with out notice or good reason, canceled my account. 

I called to inquire as to the reason for this, and they told me it was " systematic '' The account was automatically closed. Given the situation and the lack of notice, I feel this beyond unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company and I have been going back and forth for years and we can not get it together I was a victim of identity theft.This account was opened up in a state I never lived.And also a address I have never been associated With.I opened a dispute this this company and nothing happened so we came up with a agreement That I would pay XXXX dollars to settle this debt so we can move forward I still told them I did not agree the debt was mines.In return I was told by them that this account would be deleted from my credit file.That was almost 2 months ago and nothing has changed on my XXXX Credit file.I want to get this behind me As soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My BOA accounts were not accessible online or through the app starting last night. I was able to speak to someone this morning and was informed my checking account was going to be closed. She would not disclose a reason why and just cited a robotic script regarding BOA 's contractual rights to terminate any account. 

This is completely preposterous. I am a platinum honors client and just deposited a check recently in the amount of XXXX to reach platinum honors tier. I saw that a hold was placed on the check until the XXXX. I never had any issues with my banking relationship with BOA since account opening.

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 2019-02-20 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by XXXX XXXX and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from XXXXorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
was contacted by Rushmore Loan service. regarding modification or short sale. 
XXXX XXXX XXXX and XXXX XXXX reached an agreement with the Department of Justice ( DOJ ) to address actions and practices relating to residential backed mortgages. 
when we contact Rushmore Loan Services, we were told to contact XXXX XXXX XXXX who never responds to out faxes, phone calls or emails. we have several good offers with cash buyers and pre-approved. we have submitted the short sale package with no response from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. 

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation