vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: PA

Complaint narrative:
this company has been constantly calling and harassing me even after asking them to stop. they call my cell phone and place of business. I have advised them to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Wilber Law Firm, P.C.
State: VA

Complaint narrative:
The Wilber Lane Law Firm is harassing my company, XXXX XXXX in trying to collect {$2500.00} for a flood that occur on a townhouse that we do not own nor have ever own. 

See letters attached.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank has not settle Civil terms of XXXX Mortgage .Santander has failed to validate XXXX mortgage debt, as stated in a letter Sent from Santander Bank , Santander Banks has failed to validate XXXX Mortgage by not submitting the banks license to collect a debt in PA and Santander Banks has failed to validate, XXXX Mortgage by also not submitting its OMB control number, under the Paper Reduction act of 1995. 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
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: First Recovery Solutions, Inc.
State: CT

Complaint narrative:
This company keeps calling me asking for money. Will not tell me where they 're from or what company they represent. They keep telling me to get a lawyer. They want money pay them and they wo n't sue me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I used my lender 's online site this month to pay our monthly mortgage payment. I noticed that our payment had increased by {$120.00}. The increase was in our escrow. I had to call three times and still I do not have an answer that I understand or feel confident in. The first individual that tried to help me did nothing but babble and I soon discovered that she had no idea what she was telling me. I asked to speak with somebody else and she said, " I will be more than happy to help you with that '' and hung up. I had to call back, and maneuver through the labyrinth that is their automated system, and spoke with another individual who told me this was a mistake with the website and it would be corrected. I checked again later and the payment amount had not changed. I called back and was told that this was not a mistake, but the payment was increased because a check was sent to me in the prior month to cover that increase. I also found out I was sent two escrow refunds to us but I did not get it because the lender did not include my unit number on any correspondence ( which is ludicrous because THEY hold the mortgage to this unit ). The third individual said the increase was an accounting issue, updated my account, and assured me that our money would be resent to us. However, I still do not trust this and I really have little confidence in this lender. We have received no correspondence, phone calls, or emails from this lender regarding any issues with returned mail. In fact, they did not receive our renewed condo master insurance policy, and instead of contacting me by mail, email, or phone, they simply took a huge sum of money out of our escrow and sent me an email AFTER the fact. I was able to correct that issue, and the money was returned to our escrow. But these issues really make me question the competency of this lender and whether our account is really in good hands.

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 2015-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau
State: ID

Complaint narrative:
Northeast Collection Bureau repeatedly calls, from varying phone numbers, giving different names, always with a harassing tone, claiming they have a debt that needs paying. They refuse to name the original creditor or the amount owed. Currently do not have any debt in collections associated with this company. They have been told repeatedly to cease calling. Ignored. I 've researched the company name online, and found many complaints that they are a scam agency, scaring people into paying them, and that many of their targets had to get legal counsel or police involved to stop the harassment.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rocky Mountain Recovery Group
State: CA

Complaint narrative:
On Wednesday, XXXX/XXXX/16 I received a call at my home on my voice recorder from a Agent XXXX XXXX with XXXX regarding criminal and civil charges being brought against me and did not say what this was regarding. A call back number was left XXXX and case # XXXX. I thought it was bogus since a bill collector should not be acting like a government representative with the titles he was using. I get a lot of junk mail and calls regarding this sort of thing and thought it was bogus regardless. You really have to have your antenna on to full power now a days. At around XXXX I received a text from my Mom that this Agent XXXX XXXX had called my Dad 's office and spoke to my Dad 's receptionist at his office and left a call back XXXX case # XXXX. I want to know where I listed my Dad or my Dad 's business on any loan document? This is totally illegal what XXXX XXXX XXXX is doing and just using plain scare, intimidation and bullying tactics to collect on some debt. This rogue collector needs to be reeducated. I called back the XXXX number and spoke to XXXX XXXX who answered the phone as XXXX XXXX and there recorder stated they were XXXX, XXXX XXXX. I believe this company has lost there moral compass and is due for a reeducation on Fair Collection Law.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Garner & Conner, PLLC
State: TN

Complaint narrative:
When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact XXXX so I called XXXX and the rep stated she could not help me and I needed to contact Garner and Conner so I called Garner and Conner and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greentree & Associates
State: PA

Complaint narrative:
XXXX kept trying to charge my card for a late payment. They tried the full amount several times then kept trying to charge different smaller amounts when the transaction was declined. This gave me numerous overdraft fees and put my bank account in the negative. My account was then given to Green Tree and Associates, a collection agency. I have tried numerous times to contact them to pay my debt but none of the phone numbers on their website are in service. I then tried to call XXXX XXXX and ask how to pay my debt and they gave me another phone number for the same debt collection agency. I called that number and it was not a working number either.so now I have a derogatory Mark and collection on my credit report and have no way to pay it off.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: OH

Complaint narrative:
I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: E MORTGAGE MANAGEMENT, LLC
State: FL

Complaint narrative:
the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Reference : XXXX XXXX XXXX Policy # XXXX Last Renewal Date : XXXX/XXXX/XXXX until XXXX/XXXX/XXXX I acquired this institution during XXXX XXXX, for automobile insurance. I never had any issues regarding renewal until calendar year XXXX. XXXX XXXX XXXX canceled my automobile policy for a XXXX XXXX XXXX and XXXX XXXX XXXX. After cancelling the policy I was denied renewal. I contact the company on several occasions. After unsatisfactory consumer service I acquired XXXX XXXX XXXX with the assigned policy number XXXX for a six month policy. XXXX XXXX and XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, IL and XXXX. XXXX cancelled my policy after one month because XXXX provided false and misleading information. In additional XXXX XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX, XXXX, MA and XXXX, which stated I owed them approximately {$200.00}. Also, this debt was sent to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX ; contact number XXXX XXXX XXXX XXXX contacted me by mail on XXXX/XXXX/XXXX to settle this past due account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Cohen & Associates
State: NY

Complaint narrative:
I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.

Company response to consumer: Untimely response