vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEICHERT FINANCIAL SERVICES
State: PA

Complaint narrative:
We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Violation : On XX/XX/XXXX American Express has incorrectly and illegally listed an over limit event from XX/XX/XXXX of another credit card user on my credit report. i do not have a responsibility for this credit card account yet it was reported by American Express for me. This resulted in a 50 point drop in my credit score. I have asked them to remove the item but have been unsuccessful to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
I paid Lloyd and McDaniel law firm XXXX on XX/XX/2018, they are still reporting negative remarks to the credit bureau and they have not released the judgement off of my credit. They told me it would take 14 days to remove the negative mark on my credit but its still on there. I have reached out to them several times and they refuse to remove the judgement even after I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
The debt collection agent is claiming I owe money for a doctor visit that was paid through my insurance. they called someone not related to me, but at the same address, at XXXX XXXX XXXX, to try to reach me even after I asked them to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
company is pulling my credit incorrectly i wanted a credit card from this company since my auto loan is with them.. second time i tried since the last time a customer service agent screwed me.. so they told me my credit score was XXXX ... and i know is not true. i filled a complaint. and the same store.. so i contacted XXXX XXXX ... way better bank and better rates.. to just forget about capital one. and applied for a car loan instant approval and they told me my credit score was XXXX!!!! i have there letter. i week later! even with the hit of capital one! ... i got approved to move my car loan with a lower rate to chase. 

capital one is a fraud. and there customer service is a joke. i dont know if this is a race thing but will do my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I applied for a Capital One mastercard. Today on XX/XX/XXXX I received an approval email ONLY if a send copies of my ID which were NOT required for online application. After several phone calls to XXXX, representatives refused to close card ending in XXXX with a {$300.00} limit & send a letter stating closed by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have a mortgage with Caliber Home Loans , Inc . I pre-paid a portion of my property taxes for XX/XX/XXXXin XX/XX/XXXX. I called Caliber in advance of doing this, and  they said that they would adjust the escrow if I sent them a copy of the cashed check and the receipt for the payment. They also confirmed in an email on XX/XX/XXXX that these two documents were all that I would need to provide. I sent the required documents in on XX/XX/XXXX, but my escrow had not been adjusted, so I called them on XX/XX/XXXX.

On XX/XX/XXXX, they now said they need a new tax bill  from the city before they can adjust the escrow payments. This was never told to me previously, and the city will not issue adjusted tax bills until after XX/XX/XXXX. The tax payments in my escrow account include Caliber 's  estimates for my future tax payments. They need to deduct the pre-paid amount from their estimate, since this is the amount that I have pre-paid and it will be automatically deducted from my next tax bill. Having a copy of a future tax bill is not relevant, as it is not material to the amount that I have already pre-paid - I am only asking them to credit my escrow by the pre-paid tax amount. By continuing to collect for these tax payments, I am effectively being billed twice for the same payments and Caliber is being unjustly enriched by collecting this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
Navient is the company that has my student loans. Since 2013, when I was medically declared XXXX, I've been dealing with Navient for student loan forgiveness. I qualify for student loan forgiveness. I've submitted the required and necessary information to Navient several times, each time being told I've been approved for student loan forgiveness, only to receive a phone call or documents in the mail from Navient stating my paperwork submissions are incomplete. I've ensured each time that I have the correct Navient paperwork, verify what the incomplete portion is needed, go back and complete the same paperwork according to the same standards multiple times that even my doctor is tired of filling the same documentation out that he is now charging me {$350.00} to fill it out. This paperwork is the same each time, I'm told each time that I'm approved and it's formally in the process for forgiveness and then each time told my application and required paperwork is incomplete and Navient has me redo the exact same paperwork. This is a circular game. This is now on my credit report and I'm receiving threatening phone calls and notices from Navient AND the Department of Education stating they will garnish my wages ( which are non existent because I can't work ), withhold my taxreturn etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.

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 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Receivable Solutions advising them to cease and desist all attempts to collect this debt. In this letter I advised them not to contact me, or any third parties regarding this debt. This letter was delivered and signed on XX/XX/2018. 
On XX/XX/2018 I received a telephone voice message from Receivable Solutions in which I saved on my answering machine. They clearly disregarded my request to stop the telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an offer for a XXXX XXXX XXXX credit card back in XX/XX/XXXX and received the card around XX/XX/XXXX. For a few years everything was fine then in XX/XX/XXXX or so I received a letter out of the blue stating that the card was closed so I called immediately to be told that they closed the card because they believed it was fraud and identity theft- I explained that I have had the card in my procession for years and that there is no identify fraud happening, I asked how I could prove this as it became ridiculous and this dropped my credit score - so they had me send in all of my information, drivers license, bank statement, social security card etc.. even after all of this they still would not re-open my card. Soon after they listed this card as a charge off on my credit! Even though they advised me that I had to pay it in full /XXXX balance which I did. No matter how much I call or write them they will not change the reporting on my credit bureaus even though they admit that it shows fraud and I explain each and every time, I have also repeatedly try to dispute straight with bureaus and they said its already been investigated.

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 2018-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office

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 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This weekend I was out of town and again was charged {$34.00} six ( 6 ) times. As soon as I received a message from Chase I deposited funds into the account. I worked for WAMU  and opened my account in the year XX/XX/2000and then worked for Chase  until my Doctor placed me on permanent XXXX fixed income. As an Employee Account I should not be charged these fees. They just refunded 10 such fees last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I started a loan for a used XXXX XXXX XXXX. I paid the balance that was a total of around {$11000.00} down to {$3800.00} my last payment was XX/XX/XXXX. The monthly payment was {$300.00} for a total of four years. I contacted the business because the amount paid down was incorrect. Suddenly, it had increased by a few thousand dollars. The loan was through a company called Credit Acceptance. 

I was told by their customer service line to just continue making the payments as normal and that they would start a ticket to correct the information. I continued to call but I was given the same answer over and over. Eventually, they told me that it was interest but that was incorrect. I then decided to check the customer service reviews on the BBB website and there were a ton of disputes. 

I stopped making the payments because the debt paid down increased once again. Their customer service was not only poor but I dealt with people who were very rude and who threatened to take possession of my vehicle the day a payment is late. 

I spent hours and hours attempting to resolve the situation and in the end I was at a loss. 

Fast forward to after I halted the payments and according to my credit score I owe {$9400.00} and it keeps increasing even though it is in the " closed, charged off, '' status. 

I get phone calls, sometimes multiple times a day, from companies that claim they work for Credit Acceptance.  They're rude, I've had threats of garnishing wages and multiple continued calls at early times in the morning. 

I was going surrender the vehicle a long time ago but after I saw the price increasing I asked what could happen and I was told that the price would continue to increase until I paid it off entirely. So, I was stuck. Surrender the vehicle and continue making payments even though the amount would increase or keep the vehicle, never drive it, and  continue to receive harassing calls and watch the amount increase on my credit report ... 

What do I do? No matter what I've been told that the amount I owe will increase. So, I'll never pay off the owned amount and I've lost the use of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
Wakefield & Asscociates were collecting a medical debt that I have been unaware of due to mailing issues with a super long address. 
How Wakefield & Associates mailings got to me, I have no idea.

Billed 4 times for 4 different accounts on XX/XX/ and stating " .... a one time offer to pay 50 % of the balance by XX/XX/ and your financial obligation will be completely fulfilled and will notify credit reporting agencies that your accounts have been paid in full '' I did pay them on all 4 accounts the full 50 % agreement amount on XX/XX/ to satisfy what Wakefield & Associates requested.

After Wakefield & Associates had cashed all 4 orf my checks, they then sent me a letter on XX/XX/ stating, " Thank you for your recent payments of {$1400.00} received on XX/XX/ ... ... .. 
Please call our office to make arrangements to pay the remaining balance of $ {$1500.00} I did file a dispute with XXXX  Credit reporting agency and that is still under investigation in which I submitted the same supporting documents as I am to you.

As you can see in Wakefields own mailings, they ALSO did not include apartment # 12 in the address. So its a XX/XX/XXXX if I get mail or not apparently since these got to me but others haven't. 

I have made good on other accounts in collections because of same issue and did not have any problems with those companies. 

I am writing this complaint because it is " Unfair Business Practices '' and " Breech of Agreement/Contract ''. I feel bad for the elderly who may wind up double billed from unscrupulous  companies. 

Supporting documents attached including cashed checks

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
USAA has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I settled a debt with Portfolio Recovery Associates for two Debts that I had with them and one account still shows that I didn't pay it off. Secondly, part of the agreement was the specific individuals for all three credit bureaus were going to contact them to verify settlement and when they tried to call they said they don't talk to third parties even and that I need to contact them with a fax to authorize third party communication. With is not correct becuse I did as part of the agreement was tell them that I do authorize the bureaus to cotact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX on Equifax XX/XX/2018 No Contact Information Available I have no knowledge of this inquiry nor I had given authorization for such. Please remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I have been attempting to apply for a modification for the past 2yrs with this company and to no avail. I have been sending documentation over and over again and get the same response " we did not receive it ''. I have confirmation that the documents were sent and still is asked to resend my financials along with other docs again. I can afford to keep my home and can not understand why this is so hard to resolve.

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